Do Standard General Liability insurance policies provide coverage for professional services rendered by Construction Managers?

Standard General Liability (GL) insurance policies typically do not cover professional services rendered by Construction Managers. These policies are designed primarily to protect against bodily injury and property damage claims arising from general business operations. They focus on third-party claims related to non-professional activities or incidents that occur on a construction site.

Professional liability, or errors and omissions insurance, is necessary for coverage related to professional services, which includes the advice, oversight, and management tasks performed by construction managers. When construction managers provide consulting or professional services, those activities may expose them to different types of liability which are not addressed by standard GL insurance.

It is essential for construction managers to obtain professional liability insurance to ensure adequate coverage for claims related to their professional services, including those arising from errors, omissions, or negligence in their professional duties. Without this specific coverage, construction managers may face significant financial risks when involved in professional activities.