Where General Liability Ends: Understanding A&E Coverage and Common Claims

A&E insurance is often misunderstood — or overlooked entirely — when General Liability is already in place.

But professional liability exposures don’t stem from accidents. They stem from decisions, designs, and advice. Understanding where GL ends — and where A&E begins — helps agents identify coverage gaps before claims occur.

1. What A&E Covers (vs GL)

General Liability responds to bodily injury and property damage. It does not respond to allegations tied to professional judgment, errors, or omissions.

A&E coverage fills that gap by responding to claims arising from professional services — including design decisions, calculations, specifications, and contract-driven responsibilities.

2. Common A&E Claim Scenarios

Many A&E claims arise from everyday project issues, such as:

• Design errors that delay completion

• Incorrect specs requiring rework

• Allegations of failure to meet contract standards

These claims often involve disputes — not disasters.

3. Why A&E Is Frequently Missed

A&E opportunities are often overlooked because:

• GL is assumed to be “enough”

• Professional exposure isn’t clearly identified

• Coverage isn’t requested, even when contracts require it

For agents, this creates both risk and opportunity.

Agent Takeaway

If your insured designs, specifies, consults, or advises, A&E exposure should be reviewed — even when GL is already in place.

Stuckey helps agents identify and place A&E coverage with confidence.

📩 proquotes@stuckey.com