<div dir="ltr">Thanks for the recommendations to shop around. Seems like maybe this does not need to be such a huge investment. <div><br></div><div>And Howie, I was also under the impression that the E&O would cover inspections. We were just looking into an inspection policy instead of an E&O because our agent said that it would be far less expensive and this all came up around an inspection that I was planning on doing.</div><div><br></div><div>Cheers,</div><div>Dave</div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Mon, Mar 11, 2024 at 8:21 AM Christopher Warfel via RE-wrenches <<a href="mailto:re-wrenches@lists.re-wrenches.org">re-wrenches@lists.re-wrenches.org</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><u></u>
<div>
<p><font size="4">I have carried E&O for much less. I think the
recommendation to shop around is a good one. NABECP I THINK,
has some leads on firms for this.</font></p>
<p><font size="4"><br>
</font></p>
<p><font size="4">Chris</font><br>
</p>
<div>On 3/10/2024 6:23 PM, Dave Tedeyan via
RE-wrenches wrote:<br>
</div>
<blockquote type="cite">
<div dir="ltr">Hi All,
<div><br>
</div>
<div>I have an insurance question and am very curious about how
others deal with this, or don't. People will sometimes ask us
to either do some design work for a system that we will not be
installing, or to inspect a system and give my professional
opinion about it. These are two separate work situations. </div>
<div><br>
</div>
<div>Recently, our insurance agent brought it to our attention
that we should have insurance specifically for these kinds of
work, and it is not something that is covered under our
general liability (contractors) insurance. </div>
<div><br>
</div>
<div>Their recommendation for design work is to get
"professional liability" (errors and omissions) insurance.
Even though I may do one or two designs a year, we are looking
at a roughly $12,000 policy. This would be meant to cover us
if I make a mistake in the design that leads to some sort of
failure or fire.</div>
<div><br>
</div>
<div>Their recommendation for the inspection type work is to get
essentially a home inspector insurance policy for about $2400
per year. Again, this is something that we do a handful of
times per year. This insurance is meant to cover us if I
inspect a system and miss something that then ends up being a
problem or a hazard. </div>
<div><br>
</div>
<div>With a brief conversation with a lawyer acquaintance, he
thought that I may be fine with out these insurances. It
sounded like I should have something in my service contracts
that would essentially say something like "we will do this
work to the best of our ability", and then if something does
go wrong and the homeowner takes us to court, it is upon them
to prove that we missed something that a reasonable person
would have caught. My business manager does not like this
because we could still have lots of lawyer fees and have to
show up in court if we were to get sued, even if the problem
was not caused by a lack of diligence on our part.</div>
<div><br>
</div>
<div>So my question to all of you is, do you have these
insurances? Or do you just not do designs and inspections
unless you are actually turning some wrenches on the site so
that your general liability insurance covers your work? Or, is
this a case of our insurance agent putting ungrounded fears in
our head?</div>
<div><br>
</div>
<div>Thanks for your thoughts.</div>
<div>Cheers,</div>
<div>Dave</div>
<div>
<div><br>
</div>
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Tedeyan, P.E.<br>
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Sungineer Solar</font><br>
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<span style="color:rgb(236,189,0)"><span style="font-weight:700">w:</span></span><a href="http://www.sungineersolar.com/" rel="noopener" style="color:rgb(51,122,183);background-color:transparent" target="_blank"><span style="font-size:10pt;color:rgb(0,0,0)"> www.sungineersolar.com</span></a><br>
<span style="color:rgb(236,189,0)"><span style="font-weight:700">c:</span></span><span style="font-size:10pt;color:rgb(0,0,0)"> (607) 270-0370</span></td>
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</blockquote></div><br clear="all"><div><br></div><span class="gmail_signature_prefix">-- </span><br><div dir="ltr" class="gmail_signature"><div dir="ltr"><div><div dir="ltr"><div><div dir="ltr"><div dir="ltr"></div></div></div></div><div dir="ltr"><table cellpadding="0" cellspacing="0" style="border-spacing:0px;border-collapse:collapse;color:rgb(68,68,68);width:525px;font-size:11pt;font-family:Arial,sans-serif"><tbody><tr><td width="125" valign="top" rowspan="6" style="font-family:Arial,sans-serif;padding:0px 10px 0px 0px;font-size:10pt;border-right:1px solid rgb(236,189,0);width:125px;vertical-align:top"><a href="https://www.sungineersolar.com/" style="color:rgb(51,122,183);background-color:transparent" target="_blank"><img border="0" alt="Logo" width="105" src="https://sungineersolar.com/wp-content/uploads/2019/08/Logo-Image-Only-1.png" style="border: 0px; vertical-align: middle; width: 105px; height: auto;"></a></td><td style="padding:0px 0px 0px 10px"><table cellpadding="0" cellspacing="0" style="border-spacing:0px;border-collapse:collapse;background-color:transparent"><tbody><tr><td valign="top" style="font-family:Arial,sans-serif;padding:0px 0px 5px 10px;width:400px;vertical-align:top"><span style="color:rgb(236,189,0);font-size:11pt;font-weight:700">Dave Tedeyan, P.E.<br></span><span style="font-size:11pt;font-weight:700"><font color="#ecbd00">Owner | Sungineer Solar</font><br></span></td></tr><tr><td valign="top" style="font-family:Arial,sans-serif;padding:5px 0px 5px 10px;font-size:10pt;vertical-align:top;line-height:17px"><span style="color:rgb(236,189,0)"><span style="font-weight:700">p: </span></span><span style="font-size:13.3333px"><span style="font-size:10pt;color:rgb(0,0,0)">he | him | his</span></span><span style="color:rgb(236,189,0)"><span style="font-weight:700"><br>a: </span></span><span style="font-size:10pt;color:rgb(0,0,0)">1653 Slaterville Rd.</span> <span style="font-size:10pt;color:rgb(0,0,0)">| Ithaca, NY 14850</span><br><span style="color:rgb(236,189,0)"><span style="font-weight:700">w:</span></span><a href="http://www.sungineersolar.com/" rel="noopener" style="color:rgb(51,122,183);background-color:transparent" target="_blank"><span style="font-size:10pt;color:rgb(0,0,0)"> www.sungineersolar.com</span></a><br><span style="color:rgb(236,189,0)"><span style="font-weight:700">c:</span></span><span style="font-size:10pt;color:rgb(0,0,0)"> (607) 270-0370</span></td></tr></tbody></table></td></tr></tbody></table></div></div></div></div>