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Professional Liability

In the Texas home builders’ market, there is an insurance product we’ve been missing – Professional Liability Insurance also known as Malpractice Insurance or Errors and Omissions Insurance. Traditionally this insurance coverage has been carried by architects and engineers.  At HBIS, we now offer this overlooked, valued product to you – the home builder, as additional coverage for all the risks you face in the home builders’ business.  



General Liability covers you when anyone who is not an employee of your company sues your business for any bodily injuries that happened on your commercial property.  Your GL policy also covers you for any property damage of or on your commercial property.  Advertising grievances, such as libel, slander or copyright infringement as a few examples, is also covered under your General Liability policy.  



Professional Liability insurance protects you from third-party lawsuits that may arise from allegations of negligent professional services, failure to hold to contractual obligations, incomplete or defective work, or mistakes or omissions. 



In basic form, General Liability covers physical damage where Professional Liability covers the legal expense of any financial damage. Professional Liability insurance, in essence, picks up where your General Liability policy leaves off. This is why it is so important to consider having both of these insurance policies! 

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