Errors and Omissions insurance consists of two components: Business Injury Liability and Products Physical Injury; neither one is insured under a standard Commercial General Liability policy.

Business Injury Liability helps protect against consequential economic loss an insured is obligated to pay as a result of a negligent act, error, or omission in the design, installation, or manufacturing of their product.

Products Physical Injury liability helps protect against damages an insured is legally obligated to pay for the sudden and accidental physical injury to an insured’s product after it has been put to its intended use; or damage/destruction of the personal property of others on the insured’s premises for the purpose of performing such work on the property.