General liability responds to damage you cause, such as a broken fixture or triggered system.
Yes, and disclose them. Radon, mould, pest and sewer scope work each carry their own exposure.
Your report's scope and limitations are your main defense. E&O covers the defense regardless of merit.
Contract limitation clauses help but are frequently challenged. Insurance is what actually pays.
Missed defects. E&O is the policy that responds, and it's more important here than general liability.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
