Professional liability (Errors & Omissions, or E&O) exposures for HVAC contractors are increasingly material — especially in design, commissioning, and retrofit projects in major U.S. …
Business Insurance
Typical Professional Liability Claims in HVAC Design and Specification Errors
Providing HVAC design and specification services creates a different risk profile than installation work alone. When plans, calculations, or product specifications are wrong, the downstream …
How to Limit E&O Exposure in HVAC Contracts and Project Proposals
Target audience: HVAC contractors operating in Houston, TX (Gulf Coast markets), with practices applicable to major U.S. metros such as Los Angeles and New York.Content …
Do HVAC Contractors Need Professional Liability (E&O)? When Design Work Creates Financial Risk
Professional liability insurance—also called Errors & Omissions (E&O)—is frequently overlooked by HVAC contractors who assume General Liability (CGL) and Commercial Auto suffice. But when HVAC …
Risk Mitigation Best Practices for HVAC Professionals Providing Engineering or Commissioning
Providing engineering, design, or commissioning services as an HVAC contractor elevates professional exposure. Errors & Omissions (E&O) — also called professional liability — can result …
Purchasing Professional Liability for HVAC Contractors: Limits, Retroactive Dates and Exclusions
Professional liability (Errors & Omissions or E&O) is critical for HVAC contractors who design systems, provide engineering or commissioning services, or offer consulting and performance …
Policy Triggers and Notice Requirements for HVAC Professional Liability Claims
Professional liability (Errors & Omissions, E&O) is a critical insurance line for HVAC contractors who design systems, provide commissioning, or offer technical consulting. This article …
How to Negotiate Contract Language That Protects Against E&O Claims in HVAC Projects
Errors & Omissions (E&O) — also called professional liability — is a core risk when HVAC contractors provide design, specification, commissioning, or consulting services. Contract …
Differences Between E&O and CGL for HVAC Firms That Provide System Design or Consulting
As HVAC firms expand from installation and maintenance into system design, commissioning, and consulting, insurance needs change. In Los Angeles, CA (and similar U.S. markets …
Valuation Methods and Settlement Options for Damaged HVAC Project Materials
When HVAC materials are damaged on a construction project, project stakeholders—general contractors, HVAC subcontractors, owners, and brokers—must quickly decide how loss value is calculated and …