Do I need GL Insurance?
Do I need GL Insurance?
(OP)
I've been doing inspections and footing design. My GL is twice my E&O. Last year I was making piling, but have since spun that off. Only employees my sec'y and me. Renewal in 1 month and I'd like to save that $.
Engineering is the art of not constructing...of doing that well with one dollar what any bungler can do well with two after a fashion.





RE: Do I need GL Insurance?
I (as a sole propriater working in a home office with no employees) do not think I need general liability. But two of my clients require it so get it I did. Both were large organizations (a university and a public housing organization) whose own insurance/lawyers probably do not regconize the difference between a small consulting engineer and the contractor building the 10M building.
I managed to get something for very little through my home owners insurance (State Farm) that satisfied both of them.
RE: Do I need GL Insurance?
The optimist sees the glass as half full. The pessimist sees the glass as half empty. The engineer see the glass as too big.
RE: Do I need GL Insurance?
RE: Do I need GL Insurance?
Vince Socci
www.ontargettechnology.com
RE: Do I need GL Insurance?
Are you saying your general liability premium is twice your professional liability premium or are you talking coverage limits? My GL costs about 5% of my PL.
RE: Do I need GL Insurance?
The optimist sees the glass as half full. The pessimist sees the glass as half empty. The engineer see the glass as too big.
RE: Do I need GL Insurance?
RE: Do I need GL Insurance?
I am also curious if I will need Errors and Ommisions Insurance as well.
Thanks....
RE: Do I need GL Insurance?