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owners protective errors and omissions insurance coverage

Owners protective errors and omissions insurance coverage refers to a policy that provides coverage for a construction project owner's exposure to liability for negligent design work on the project.

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Such forms are written to apply as excess coverage over multiple underlying policies that insure the various design professionals working on a given project (or group of projects). Unlike a project liability policy in which the various design professionals are the named insureds, the project owner is the named insured under owners protective errors and omissions (E&O) forms.

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