Contractors Errors & Omissions Insurance
Plumbers, electricians, and many other contractors face many potential hazards to their business every day. Customers have high expectations, and even simple complaints can turn into major legal battles.
Many contractors have General Liability insurance policies, but these exclude “your product,” “your work performed” and “impaired property,” as well as the recall of products, work, or impaired property. That’s
where Contractor Errors and Omissions (E&O) Coverage from Hastings Mutual can help.
Limits
- $100,000 per claim
- $200,000 per claim
- $300,000 per claim
- $500,000 per claim
- $1,000,000 per claim
Deductibles & Other Characteristics
- Minimum $1,000 per-claim deductible.
- Options of $2,500, $5,000, and $10,000 deductible.
- Aggregate amount is twice the per-claim limit.
- Full prior acts coverage is included, as long as there was no prior coverage and you had no prior knowledge of a potential claim.
- Legal defense is provided in addition to the selected insurance limit.
Contractors E&O covers amounts you are legally obligated to pay because of your negligent acts, errors, or omissions. Defects in materials or products sold or installed by you while working as a contractor are also covered.
Coverage is
available to dozens of different types of contractors. This includes but isn’t limited to:
- Appliance installation, service and repair – household type
- Carpentry
- Carpet or upholstery cleaning
- Communication equipment installation, service or repair
- Concrete construction
- Driveway, floors, sidewalks or parking area paving or repaving
- Electrical apparatus service or repair, including satellite installation and service
- Electrical wiring — within buildings
- Fence erection
- Floor covering installation – not tile or stone
- Furniture or fixtures installation – offices and stores
- Gutters and downspout installation and repair
- Heating and air conditioning
- Interior decorators
- Janitorial
- Landscape gardening
- Lawn sprinkler installation and service
- Masonry
- Painting
- Paperhanging and decorating
- Plastering or stucco
- Plumbing — commercial and residential
- Refrigeration – commercial work only
- Septic tank cleaning
- Sheet metal work
- Siding – vinyl, wood, or metal
- Swimming pool installation
- Tile, stone, marble, or mosaic work
- Wallboard or drywall
- Water softening sales
- Water well drilling
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
Monday-Friday
8:00 a.m. - 4:30 p.m. (EST)
(800) 442-8277
