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Sealing Wood Truss Drawings: Insurance Requirements?
2

Sealing Wood Truss Drawings: Insurance Requirements?

Sealing Wood Truss Drawings: Insurance Requirements?

(OP)
Is anyone familiar with insurance requirements for sealing roof truss drawings?  I am a PE working for a roof truss manufacturer in Ohio and am looking into sealing metal plate connected roof truss drawings.  I have had received conflicting advice on whether or not you need an errors and omissions policy or just basic liability insurance.  Any help would be appreciated.  

RE: Sealing Wood Truss Drawings: Insurance Requirements?

If you are a PE, you definitely need error and omissions insurance (unless you and the people working for you are perfect!).

RE: Sealing Wood Truss Drawings: Insurance Requirements?

(OP)
jike,
 
The argument I've heard with regard to sealing truss shop drawings is that you are doing component design and not whole building design.  Our company's insurance agent has said that I would be covered under our basic liability insurance if I were to seal shop drawings.  
I guess the gray area here is whether or not "component" design (i.e. sealing a component of building) necessitates an errors and omissions policy.  

Thanks for your response.    

RE: Sealing Wood Truss Drawings: Insurance Requirements?

2
Typically the design falls under two types of insurance.  There is product liability insurance and professional liability insurance.  If you are working as an employee of the truss manufacturer and have designed the truss and it is fabricated and sold by your company then it falls under product liability insurance.  The professional liability insurance covers designs that you engineer and sell the design to someone else to build from or use.  So as long as you have product liability insurance and are fabricating the truss then it should fall under the product liability insurance.  At my company we carry both types, but the product liability insurance is our bigger and more expensive policy.  We also carry errors and omissions to cover some consulting and we are often requested to provide foundation engineering but it is a smaller policy due to consulting not being our primary business.

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