Coverage line
Professional Liability (E&O) for spray foam contractors
Errors and omissions coverage for the design and specification side of your work — R-value and cold-climate performance claims, improper-spec disputes, and warranty fights that general liability was never built to cover.
What it covers
- Claims of faulty installation and improper specification
- R-value and energy-performance disputes
- Cold-climate envelope and condensation-design failure claims
- Warranty and workmanship claims beyond GL's scope
- Failure to meet building-code or cold-climate standard claims
- Defense costs for professional negligence allegations
Who it's for
- SPF contractors who consult on or specify insulation systems
- Crews providing written warranties or R-value guarantees
- Contractors bidding design-build or energy-efficiency projects
- Companies facing increasing construction-defect scrutiny
Why CCA
- E&O structured for the specification and performance claims unique to insulation
- Coordinates with your GL and CPL so there are no coverage gaps
- Limits matched to the contract requirements of luxury-home clients
Professional Liability (E&O) — FAQ
Common questions about professional liability (e&o)
GL covers bodily injury and property damage caused by your work, but construction-defect and pure-economic-loss claims — a homeowner suing because the R-value underperformed or condensation developed in the envelope — are often excluded as faulty workmanship or professional negligence. Professional liability (E&O) is the line that responds to those claims.
Pair it with related coverage
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