With General coverage I have been told if there is a issue with an installation
& we did not install issues would be covered but if we install it they do not
insure our work......
If we sub it out it was/is covered.
___________________________________________________
Dana Orzel c- 2087217003 e - d...@solarwork.com
--- Begin Message ---
According to my agent, general liability does not cover design problems,
whether we wrench it or not. That is what an Errors and Omissions policy would
cover, and what a previous agent mentioned to me in passing after selling me
general liability for 10 years! They could offer me an E&O policy for several
thousands of dollars, so I shopped it around and found coverage for a fraction
of that cost, from a reputable company. I have not considered an inspection
insurance policy, mostly because my agent inferred that that type of work would
be covered under an E & O policy as well, but I've never asked that question
directly. So, something to add to my list for Monday...
Howie
Sun Catcher
On Sun, Mar 10, 2024, 6:23 PM Dave Tedeyan via RE-wrenches
<re-wrenches@lists.re-wrenches.org<mailto:re-wrenches@lists.re-wrenches.org>>
wrote:
Hi All,
I have an insurance question and am very curious about how others deal with
this, or don't. People will sometimes ask us to either do some design work for
a system that we will not be installing, or to inspect a system and give my
professional opinion about it. These are two separate work situations.
Recently, our insurance agent brought it to our attention that we should have
insurance specifically for these kinds of work, and it is not something that is
covered under our general liability (contractors) insurance.
Their recommendation for design work is to get "professional liability" (errors
and omissions) insurance. Even though I may do one or two designs a year, we
are looking at a roughly $12,000 policy. This would be meant to cover us if I
make a mistake in the design that leads to some sort of failure or fire.
Their recommendation for the inspection type work is to get essentially a home
inspector insurance policy for about $2400 per year. Again, this is something
that we do a handful of times per year. This insurance is meant to cover us if
I inspect a system and miss something that then ends up being a problem or a
hazard.
With a brief conversation with a lawyer acquaintance, he thought that I may be
fine with out these insurances. It sounded like I should have something in my
service contracts that would essentially say something like "we will do this
work to the best of our ability", and then if something does go wrong and the
homeowner takes us to court, it is upon them to prove that we missed something
that a reasonable person would have caught. My business manager does not like
this because we could still have lots of lawyer fees and have to show up in
court if we were to get sued, even if the problem was not caused by a lack of
diligence on our part.
So my question to all of you is, do you have these insurances? Or do you just
not do designs and inspections unless you are actually turning some wrenches on
the site so that your general liability insurance covers your work? Or, is this
a case of our insurance agent putting ungrounded fears in our head?
Thanks for your thoughts.
Cheers,
Dave
--
[Logo]<https://www.sungineersolar.com/>
Dave Tedeyan, P.E.
Owner | Sungineer Solar
p: he | him | his
a: 1653 Slaterville Rd. | Ithaca, NY 14850
w: www.sungineersolar.com<http://www.sungineersolar.com/>
c: (607) 270-0370
_______________________________________________
List sponsored by Redwood Alliance
Pay optional member dues here: http://re-wrenches.org
List Address:
RE-wrenches@lists.re-wrenches.org<mailto:RE-wrenches@lists.re-wrenches.org>
Change listserver email address & settings:
http://lists.re-wrenches.org/options.cgi/re-wrenches-re-wrenches.org
There are two list archives for searching. When one doesn't work, try the other:
https://www.mail-archive.com/re-wrenches@lists.re-wrenches.org/
http://lists.re-wrenches.org/pipermail/re-wrenches-re-wrenches.org
List rules & etiquette:
http://www.re-wrenches.org/etiquette.htm
Check out or update participant bios:
http://www.members.re-wrenches.org
_______________________________________________
List sponsored by Redwood Alliance
Pay optional member dues here: http://re-wrenches.org
List Address: RE-wrenches@lists.re-wrenches.org
Change listserver email address & settings:
http://lists.re-wrenches.org/options.cgi/re-wrenches-re-wrenches.org
There are two list archives for searching. When one doesn't work, try the other:
https://www.mail-archive.com/re-wrenches@lists.re-wrenches.org/
http://lists.re-wrenches.org/pipermail/re-wrenches-re-wrenches.org
List rules & etiquette:
http://www.re-wrenches.org/etiquette.htm
Check out or update participant bios:
http://www.members.re-wrenches.org
--- End Message ---
_______________________________________________
List sponsored by Redwood Alliance
Pay optional member dues here: http://re-wrenches.org
List Address: RE-wrenches@lists.re-wrenches.org
Change listserver email address & settings:
http://lists.re-wrenches.org/options.cgi/re-wrenches-re-wrenches.org
There are two list archives for searching. When one doesn't work, try the other:
https://www.mail-archive.com/re-wrenches@lists.re-wrenches.org/
http://lists.re-wrenches.org/pipermail/re-wrenches-re-wrenches.org
List rules & etiquette:
http://www.re-wrenches.org/etiquette.htm
Check out or update participant bios:
http://www.members.re-wrenches.org
