Construction Project Manager & Consultant Insurance Coverage Checklist
The coverages a construction project manager & consultant business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for independent construction project managers, schedulers, estimators, and claims consultants. Priorities reflect typical exposure for this class; confirm against your actual services and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (E&O) | Covers claims that an estimate, schedule, report, or management decision caused loss. | Core | |
| Commercial General Liability | Covers injuries and damage during site visits and at your office. | Core | |
| Workers' Compensation | Required by law; covers staff on job sites and placed at client offices. | Core | |
| Hired & Non-Owned Auto | Covers staff driving their own cars to sites and client meetings. | Prevalent | |
| Contractual Liability / Indemnity | Confirm the indemnities in client contracts are covered. | Prevalent | |
| Employment Practices Liability | Covers claims by staff, including those placed with clients. | Prevalent | |
| Expert Witness / Claims Consulting Coverage | Confirm professional liability covers litigation support and testimony. | Situational | |
| Staffing / Temporary Placement Coverage | Covers errors by PMs working under a client's direction. | Situational | |
| Umbrella / Excess Liability | Adds limits some clients require. | Situational | |
| Cyber / Privacy Liability | Covers client project data and payment fraud. | Situational |
The coverage gap most often missed
The gap most often missed by construction project management consultants is who else relies on the work. Estimates and schedules are used by lenders, investors, and contractors who never signed your contract, and courts have let third parties sue project management professionals for foreseeable economic harm. Staff placed under a client's direction add a second gap. Put assumptions and intended use in every deliverable, cap liability in contracts, and confirm your policy covers staff augmentation and expert work.
Send us the checklist and we'll review your construction project manager & consultant coverage line by line, then market it across multiple carriers that compete for your account.
Related: Construction Project Manager & Consultant Insurance · Construction Project Manager & Consultant Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a construction project manager & consultant business need?
The core coverages for a construction project manager & consultant business are Professional Liability (E&O), Commercial General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my construction project manager & consultant coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.