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.
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.
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.
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.
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