It depends on how the form defines who is insured. Many professional forms extend to work performed on your behalf, so a claim arising from a subcontractor’s error can reach your policy because the client’s contract is with you. That is not the same as covering the subcontractor. They have no rights under your policy and their own carrier may pursue you, or you them. The practical answer is to require subcontractors to carry their own E&O at a stated limit and to collect the certificate before work starts.
Related FAQs
It is the date back to which your policy may respond. Keeping it intact when you renew or switch policies helps protect past work.
Not universally, but many professions, licensing bodies, and clients require it. We can review your situation with you.
A claims-made policy generally responds to claims made while the policy is active, provided the incident occurred after your retroactive date. Letting coverage lapse can create a gap. ...
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