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owners protective errors and omissions insurance coverage

A policy that provides coverage for a construction project owner's exposure to liability for negligent design work on the project. 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. See also Project liability policies.


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