A trench with a man standing in it and an excavator at the far side.

Contractors E&O

The ever-evolving roles and responsibilities of general contractors, construction managers, construction agents and construction trades make contractors professional liability coverage a necessity in today’s business world.

At Liberty, we understand your contracting client’s nuanced exposures, and our underwriting expertise lends us the ability to understand each risk and custom-tailor our product to suit the unique needs of small to large companies, partnerships or practice groups.

A protective partnership

Solutions for complex risks

Target classes

  • Canadian-domiciled, general or specialty contractors, construction managers and design-builders
  • Can consider a variety of standard to complex project types
  • Target contracting firms with comprehensive risk management practices, including in-house quality control/quality assurance procedures and protocols

What we’ve been writing

  • Contractor’s professional liability insurance for Alberta-based EPCM firm specializing in design, engineering, procurement and fabrication of modular gas and heavy oil processing plants, as well as compression equipment.
  • Contractor’s professional liability insurance for +$200M multi-disciplinary contracting firm specializing in sales and service of industrial earthmoving and construction equipment, paving machines, and forestry and mining equipment.
  • Excess Project-specific Professional Insurance provided to a major contractor leading the design and construction of a private-public-partnership cancer treatment hospital project

Non-target classes

  • Asbestos contractors
  • Critical transportation equipment
  • Industries:
    • Amusement parks
    • Dams/offshore drilling
    • Marine piers and ports
    • Mining (including tailings work and shaft mining)
    • Oil and gas pipelines (including non-destructive testing)
    • Product design for mass production
    • Residential condos (except if a low exposure)
    • Tunneling

Policy highlights

  • Multi-year option with annual limits
  • Pollution Incident coverage—BI/PD arising from the performance of Professional Services
  • BI/PD coverage in additional to third-party financial loss – arising from the performance of Professional Services
  • Mitigation of Loss: reimbursement of reasonable expenses to mitigate Damages resulting from a pre-claim Design Error
  • Supplemental Payments Extensions (no applicable Deductible)
    • Pre-Claims Assistance: resulting from Liberty investigations
    • Reimbursement Expenses: Actual loss of earnings and reasonable expenses when attending hearings, depositions and trials
    • Disciplinary Proceedings: Reimbursement of reasonable lawyer’s fees
    • ODA, NHA or OHSA Expense Reimbursement
    • Loss of Document(s)
  • Broad Definition of Professional Services including practice as an architect, engineer, scientist, construction manager, environmental consultant and LEED AP
  • Mediation Deductible Credit of 50% (to a maximum reduction of $25,000) for Claims resolved through Mediation
  • Coverage for Insured’s participation in a joint venture
  • Worldwide territory coverage



Our difference

  • Project-specific and practice policies available (excess)
  • Dedicated and bilingual Contractors’ E&O underwriting and claims professionals
  • In-house claims handling expertise with local authority and specialization in architects, engineers, and contractors’ professional liability
  • International capabilities with more than thirty offices worldwide

Have a question?

Contact your local Liberty underwriter for more information.

Liberty Mutual Canada™ is the registered business name under which the Canadian branch of the Liberty Mutual Insurance Company operates in Canada. This literature is a summary only and does not include all terms, conditions, or exclusions of the coverage described. Please refer to the actual policy language for complete details of coverage and exclusions.