You do the work nobody else can. Protect it.
A workmanship claim after a project closes out. A repair that didn’t hold. An inspection you signed off on. You often work alone, without corporate insurance behind you — and when something goes wrong, the liability is personal.
Up to $1M
Professional Liability
2,188
Job Titles Covered
1 day
To Coverage
2188 TITLES COVERED
From the job site to the service call
Construction & Building Trades
The job was done. Then your client sent a bill.
A contractor’s spec calls for the wrong materials, and the client pays twice to redo the job. A general contractor falls behind schedule on a commercial build, and the building owner alleges thousands in lost lease revenue. A roofer specs the wrong materials for the climate, and the client demands a full replacement before the first year is up. Construction professionals face poor workmanship and specification allegations months or years after the project is completed—long after you’ve moved on to the next job.
Electrician
Plumber
General Contractor
Carpenter
HVAC Technician
Roofer
Mason
Concrete Contractor
Tile Installer
Drywall Contractor
Flooring Installer
Excavation Contractor
Workmanship questioned after completion — allegations can arrive long after sign-off, and the cost of defending your work adds up fast whether the claim has merit or not.
GC and developer bid lists require it — you won’t get on a commercial project without proof of professional liability.
Project delay liability — coverage for claims that your work caused scheduling or financial losses on a larger project.
Vehicle, Marine & Transport
You said it was fixed. The customer says otherwise.
A mechanic’s misdiagnosis leads to a repeat repair, and the customer wants both bills paid. A fleet manager audits your credentials and pulls the contract when you can’t show proof of professional liability. In transport, your professional decisions around logistics, valuation, compliance, and documentation carry serious financial consequences. When your judgment falls short—even without a collision or physical loss—you can be held liable.
Auto Mechanic
Marine Mechanic
Diesel Technician
Body Shop
Fleet Manager
Motorcycle Repair
Towing Service
Courier / Delivery
Freight Hauling
Moving Company
Taxi / Chauffeur
Transport Service
Cargo loss — A freight broker selects a carrier with inadequate insurance, and high-value cargo is lost in transit. The shipper holds the broker’s professional judgment responsible.
High-value property in your care — $25K crime coverage is included for vehicles, boats, and equipment entrusted to you, that your “trusted” employee walks off with and never comes back. Note: the crime coverage for others property only covers thefts by the insured’s employees.
Cost of correcting your work — when a job needs to be redone, the policy is designed to help with the financial loss your business absorbs to make it right.
Specialty & Technical Trades
Your Sign-off carries weight.
A pre-sale inspection misses a code violation. A certification audit clears a system that shouldn’t have passed. A technician’s compliance report becomes the basis for a six-figure transaction. Specialty trades professionals sign their name to assessments that clients rely on financially—and when those assessments don’t hold up, the claim follows your signature.
Welder
Locksmith
Elevator Tech
CNC Machinist
Fire Alarm Tech
Crane Operator
Boiler Tech
Sheet Metal Worker
Refrigeration Tech
Ironworker
Millwright
Rigger
Inspection and certification claims on commercial properties — your pre-sale sign-off is challenged after the deal closes, and missed items cost the buyer money to remediate.
Safety-critical audits — you certify a facility or operation as compliant, a subsequent review reveals gaps, and the client claims financial losses tied to their reliance on your certification.
Commercial clients require E&O — property managers and facility operators require proof of coverage before contracting.
Installation, Repair & Service
You fixed it once. Now they want you to pay for it twice.
An appliance repair fails within a week. A glass installation cracks in a cold snap. A technician ignores the manufacturer’s specs and the customer wants the full replacement paid for. Installation and repair professionals face system performance failures, and when standards weren’t followed, the claim escalates fast.
Appliance Repair
Glass Installer
Alarm Installer
Antenna / Satellite
Pool Technician
Sprinkler Repair
Waterproofing
Septic Service
Door & Window Service
Garage Door Installer
Sign Installation
Battery Service
Callbacks and warranty disputes — E&O covers claims when a customer says your installation or repair failed to perform.
Failure to meet manufacturer specs — when your installation or repair doesn’t follow documented standards, and the customer claims the resulting failure cost them more than the original job.
Review-driven businesses need protection — $10K image restoration for when a single bad review threatens your livelihood.
Home Services, Maintenance & Consulting
You’re inside their home. That changes everything.
A pest inspector clears a home before a sale, and the buyer discovers termites six months later. A home organizer disposes of items the client says were valuable. A home inspector misses a structural issue. A building manager neglects routine upkeep, and the owner watches the property value drop. When you work on someone’s home or manage their property, the trust is personal, the standards are high, and the allegations can be devastating—even when they’re wrong.
Landscaper
Pest Control
Handyman
Cleaning Service
Tree Service
Power Washing
Pool Maintenance
Chimney Sweep
Home Inspector
Mold Consultant
Home Organizer
Property Appraiser
Service and maintenance disputes — when your work doesn’t meet the client’s expectations and they allege your professional judgment cost them money, this is the type of claim E&O is designed to address.
Inspection and consulting errors — when your professional assessment or recommendation misses something material, and the owner is left with unexpected costs to correct it.
Crime coverage for in-home work — Pliable professional liability policies include $25K protection against theft or dishonesty allegations when working in private residences.
And Hundreds More
Don’t see your job title? We probably cover it.
With 2,188 job titles in this category, we cover agricultural, land, and environmental professionals most insurers wouldn’t know how to classify. Here’s a sample.
Scaffolder
Auctioneer
Knife Maker
Coin Dealer
Diver
Engraver
Glazier
Hoist Operator
Ironmonger
Patio Planner
Piano Technician
Process Server
Rigger
Sailmaker
Tailor
Upholsterer
Warehouse Manager
Antique Restorer
Bounty Recovery Agent
CDL Training
Dispatcher
Floor Sander
Gas Plant Operator
Paperhanger
Reprographics
Sign Painter
Trophy Maker
Yacht Broker
Able Seaman
Armored Transport
Cable Puller
Dry Liner
Engine Tuner
Fellmonger
K-9 Handler
Millwright
Platemaker
Railroad Broker
Screen Printer
Can’t find your title? Get a quote online, and we’ll confirm your coverage instantly.
What’s Included
30 protections, one price
Every skilled trade and service professional gets the same comprehensive coverage. No add-ons, no à la carte.
We’re showing the protections that matter most in your field, but all 30 are built into every policy. View all 30 coverages explained
Your work speaks for itself.
Your insurance should too.
2,188 skilled trade & service professions covered. 30 protections. Next-day coverage. One flat price. Backed by Lloyd’s of London.