What type of coverage would protect you against claims related to construction defects?

The most suitable coverage for protecting against claims related to construction defects is errors and omissions insurance. This type of insurance is specifically designed to cover claims arising from negligence, errors, or omissions in the professional services offered by contractors, architects, engineers, and other construction-related professionals.

When construction defects occur, clients may seek compensation for damages resulting from substandard work or failure to meet professional standards. Errors and omissions insurance can help cover the legal defense costs as well as any settlements or judgments against the insured party related to these claims. This makes it a critical form of coverage for anyone involved in the construction industry who provides professional services.

Other types of insurance mentioned are relevant in different contexts: general liability typically covers bodily injury and property damage claims but not specifically construction defects; builder’s risk protects against property damage during the construction phase; while workers’ compensation covers employee injuries on the job, it does not extend to claims of construction defects. Thus, errors and omissions provides the most direct protection for issues related to construction defects.