For example, the architect did not schedule a fire rated ceiling assembly in the music room of a high school auditorium where the space above ceiling was used as a return air plenum. Government agency plan review is a service and not a guarantee that everything is in accordance with zoning ordinances and building codes. There is the third possibility, potentially most costly oversight, that can ensnare even the most prudent architect-engineer.
The opinions expressed are those of the author(s) and do not necessarily reflect the views of the firm, its clients, or any of its or their respective affiliates. While “treating” the model’s hair, the hairdresser apparently used bleaching chemicals that were so strong they burnt her scalp and caused her hair to fall out. The right contractors’ insurance can mean the difference between an effective business and bankruptcy from liability concerns. There are, however, situations in which general liability does not protect you.
This kind of coverage applies when you employ independent contractors, consultants or advisors who make mistakes and cause you liability issues. Every time you take on a project, you take on the risk of a customer dispute. You simply cannot afford to take any chances with your insurance protection. Your independent insurance agent is uniquely positioned to provide you with coverage options from several different highly rated insurance companies. Whether damages or injuries were caused by a mistake from your company or not, customers may make legal claims against you.
Contractors’ Errors & Omissions (E&O) Insurance Coverage | Duration 1 Minutes 10 Seconds
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Your policy’s retroactive date is the date that your business started operating.