General Liability vs Professional Liability: The Costly Mistake Texas Contractors Miss скачать в хорошем качестве

General Liability vs Professional Liability: The Costly Mistake Texas Contractors Miss

If you’re a contractor in Texas and assume your general liability policy covers everything you do, there’s a good chance you’re exposed in ways your carrier will not pay for. We’re seeing more and more claims denied because business owners are confusing general liability with professional liability, especially when design work and advice are involved. In this video, we walk through what actually triggers a general liability claim (bodily injury and property damage) versus what triggers a professional liability claim (financial loss from advice or service). We dig into the specific GL exclusion form (often CG 2279 or CG 2280) that can void coverage the moment you offer advice or design, what counts as a “professional service,” and how claims-made timelines, retro dates, and tail coverage really work. Then we wrap up with a simple framework to audit your own policy, spot gaps, and avoid getting kicked off a job because your coverage or certificate doesn’t match what the GC is asking for. CHAPTERS: 00:00:00 Why General Liability Is Not Enough For Texas Contractors 00:00:45 Understanding What Triggers General Liability 00:01:06 What Professional Liability (E&O) Actually Covers 00:01:29 When Your Role Crosses From General To Professional Liability 00:02:18 What Counts As A Professional Service In Construction 00:02:47 Claims Made Policies, Retro Dates, And Tail Coverage 00:03:24 How To Audit Your GL Policy And Avoid Gaps 00:03:55 Transferring Risk And What To Watch Next