Owner's Representative Insurance Coverage Checklist
The coverages an owner's representative 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 owner's representatives and owner's project managers. Priorities reflect typical exposure for this class; confirm against your actual services and contracts.
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 your advice, approvals, budgets, or oversight caused loss — the core risk of owner's reps. | Core | |
| Commercial General Liability | Covers injuries and damage during site visits and at your office. | Core | |
| Workers' Compensation | Required by law; covers staff walking active job sites. | Core | |
| Hired & Non-Owned Auto | Covers staff driving their own cars to sites and meetings. | Prevalent | |
| Umbrella / Excess Liability | Adds limits many owners require in their contracts. | Prevalent | |
| Contractual Liability / Indemnity | Confirm indemnities you sign are covered — owner agreements often require broad ones. | Prevalent | |
| Crime / Fiduciary (Owner Funds) | Needed if you hold or disburse project funds for the owner. | Situational | |
| Employment Practices Liability | Covers claims by staff. | Situational | |
| Cyber / Privacy Liability | Covers payment fraud and project data — wire fraud on construction payments is common. | Situational | |
| Project-Specific Professional Liability | Dedicated limits for one large project, separate from your practice policy. | Situational |
The coverage gap most often missed
The gap most often missed by owner's representatives is work outside the written scope. Professional liability policies cover the services described, but reps are often asked to give engineering opinions, negotiate claims, or guarantee budgets — and those extras may not be covered. Contractors can also sue the owner's agent directly: a Louisiana court let a contractor pursue the owner's CM for withheld payments and delays. Keep the scope in writing, document owner approvals, and confirm your policy covers every service you provide.
Send us the checklist and we'll review your owner's representative coverage line by line, then market it across multiple carriers that compete for your account.
Related: Owner's Representative Insurance · Owner's Representative Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an owner's representative business need?
The core coverages for an owner's representative 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 owner's representative 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.