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Professional liability
Professional liability · For contractors and owners

Professional liability application.

One application for contractors and for owners, managers and developers. A contractor or design-build firm answers about its design and management work; an owner, property manager or developer about the services it provides to others. Answer what you can and send it from the review sheet. Our brokerage takes it to market and comes back with quotes, or with questions.

You likely need this if you design, manage or advise on projects for others.

Plan on 15 to 25 minutes for a design-build contractor or a property manager with no claims, with a typical contract to hand. Your answers are kept in this browser tab only, with no account. Closing the tab clears them, so gather your documents first (the checklist lists them).

Insurers need this to quote. You can send with blanks; we’ll ask for the rest.

What to have on hand: a typical client contract and your current policy (6 things)

The first question asks whether you are a contractor or an owner, manager or developer, and the second sheet follows that answer. Answer counts assume a design-build contractor with one service and no claims.

  • Your business basicsLegal name, FEIN, the year you started, and revenue for the last year and the next 12 months.
  • Your services, by revenueEach kind of professional work you do, such as design, construction management or property management, and the share of revenue it brings in.
  • A typical client contractWhose form it is, whether it limits what you owe, and what it asks you to indemnify.
  • Your current policyThe declarations page: limits, deductible, premium, expiry date and the retroactive date.
  • What your contracts ask forThe professional liability limit, and how many years after a job they ask you to keep the policy.
  • Loss runs, if you have themFive years of claims history from your current insurer. You can send them after by replying to your confirmation email.
Start from your documents

Pre-fill this application from your documents

Drop your current policy, a typical client contract or loss runs. We fill in answers you’ve left blank, and you check each one before you send.

Drag files here, or

PDF, photo (JPG, PNG, HEIC), Excel .xlsx, Word .docx, text or CSV. Up to 4 MB a file (larger photos are shrunk to fit), 12 files in all.

Good documents for this application

  • A typical client contract
  • Your current policy
  • Loss runs

Files are read to fill in answers and are not kept. An AI provider reads them under terms that don’t let it train on them.

Application
Professional liability (E&O), for contractors and owners
Sheets
05
A design-build contractor
about 62 answers, 57 required
A manager for other owners
about 60 answers, 54 required
Status
Your answers go to Light RFP when you press Send. Files you drop in are read to fill in answers, and not kept.
Prepared by
Light RFP Risk Management Services LLC NY DFS License # PC-1978982

Professional liability application

Files you drop in fill in answers you’ve left blank.

PL-01

Business

Who is applying, what kind of applicant you are, and how to reach you.

0/20required answered

Who is applying

The next sheet asks a contractor about its design and management work, and an owner, manager or developer about the services it provides to others.

Applicant

If the business uses another name.

If the business has one.

Fees and contract revenue together. Owners and managers: management fees, development fees and commissions.

Contact

Addresses

Sheet 1 of 5
After you send

What happens after you send.

  1. We read it

    A Light RFP broker reads every answer, checks your services, contracts and retroactive date against what the insurers ask, and asks about anything blank or flagged.

  2. We take it to market

    Our brokerage takes it to the insurers whose appetite fits your work.

  3. You compare and choose

    Limits, deductibles, retroactive dates and exclusions side by side, matched to what your contracts and RFPs require. Our brokerage puts the policy you choose in force and issues your certificates.

Send us your declarations page and we’ll fill this in with you.

Rather go through it on a call? Schedule a call, or write to Light RFP’s insurance team: insurance@lightrfp.com

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