Did you know your public liability insurance only covers you for damage to other property, or in some cases, injury?


Errors and Omissions (E&O) is like Professional Indemnity insurance for builders and project managers.  It covers your legal costs if your company, or you individually, are held responsible for a service you provided, or failed to provide, that did not have the expected or promised results and has caused someone financial loss.


The Builtin E&O policy has been specially designed for building contractors and project managers.

It covers judgments, settlements and defence costs in cases where your client decides to sue you because they think something you’ve said, or not said, has cost them financially. 

Example 1:

A builder was named as a defendant in a leaky home case, even though all he had done was correctly repair a window.  He hadn’t even built the property!  It cost him $40,000 just to be removed from the law suit.  Can you afford to pay that?  Even if you win, could you afford the legal fees to defend the case?

With the increase in “no win no fee” lawsuits sometimes the client has nothing to lose, while you could lose everything.

Cases that are resolved through the Weathertight Homes Resolution Service (WHRS) are generally resulting in 80% of the liability (and cost) being apportioned to the builder!  In most cases the builder doesn't have insurance to cover this (while the engineers, architects and surveyors will have Professional Indemnity cover), so the cost comes straight out of their pocket.

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