Professional Liability Quote Checklist

Business: ________________ Trade or role: ________________ State: ________________ Contact: ________________ Project delivery role: ________________ Desired professional liability limit: ________________ Desired self-insured retention: ________________ Certificate due date: ________________

Use this page as the front sheet for a contractor professional liability quote request. Contractor professional liability is also called contractor errors and omissions insurance. It applies to professional services such as design-build responsibility, construction management, delegated design, consulting, value engineering, plan review, or design coordination. General liability is still a separate coverage for ordinary bodily injury and property damage claims.

• List each project delivery type used in the past year: design-only, construction-only, agency construction management, construction management at risk, design-build with in-house design, and design-build with subcontracted design.
• Estimate the percentage of revenue for each project delivery type.
• Note whether the current contract requires professional liability or contractor errors and omissions coverage.
• Mark whether the owner supplied the plans, your company created design documents, or an outside design professional created them.
• Identify any value engineering, shop drawing, delegated design, design review, consulting, or field recommendation work your company provides.
• Separate agency construction management work from construction management at risk work because insurers review those roles differently.
• Keep a copy of the contract insurance exhibit and any professional services scope for the quote request.

• Break down professional services performed by your employees and professional services performed by subconsultants.
• Identify architecture, engineering, land surveying, construction management, and contracting operations if any apply to your work.
• List employee licenses or design qualifications if your company performs design in-house.
• List outside architects, engineers, specialty designers, or consultants used for current or recent projects.
• Note whether your contract makes your company responsible to the owner for design performed by others.
• Identify any limitation of liability, indemnity, or hold harmless wording in agreements with design professionals.
• Save copies of subconsultant agreements that relate to design, consulting, or delegated design.

• Collect professional liability certificates from architects, engineers, specialty designers, surveyors, and other design consultants below your company.
• Record each subconsultant's professional liability limit, policy period, and retroactive date if shown.
• Check whether your contract requires minimum professional liability limits for subconsultants.
• Note whether subconsultants must maintain coverage after project completion or through a warranty period.
• Confirm whether subcontracted professional services are included in the quote or policy terms being offered.
• Ask whether protective indemnity is included when your company hires design professionals below it.
• Keep certificates current because carriers may review subconsultant insurance evidence as part of underwriting.

• Gather loss runs for prior professional liability, contractor errors and omissions, general liability, and pollution liability policies if available.
• List prior professional service claims, design disputes, coordination disputes, delay allegations, cost overrun allegations, and change-order disputes.
• Include open circumstances that could become a claim, even if no lawsuit or demand has been made.
• Note whether any prior matter involved an outside design professional, delegated design subcontractor, construction manager, or project owner.
• Record the project name, date, allegation, current status, amount paid, and amount reserved if known.
• Save pleadings, demand letters, owner notices, mediation papers, or claim correspondence for any reported professional matter.

• Confirm the limit requested by the contract or owner, then compare it with the desired limit selected above.
• Confirm the self-insured retention your company can fund if a professional liability claim is made.
• Ask whether defense costs reduce the professional liability limit.
• Ask whether defense costs apply against the self-insured retention.
• Ask for the retroactive date and whether prior work is included.
• Ask how quickly claims and circumstances must be reported.
• Ask whether an extended reporting period is available if coverage is canceled or not renewed.
• Ask whether the policy includes rectification or mitigation coverage for correcting a professional error before a larger claim develops.
• Ask whether contingent bodily injury or property damage from professional services is included, excluded, or available by endorsement.
• Ask whether contractors pollution liability is included, optional, or separate.