Introduction
At Strux Insurance, we often hear, “If I have general liability, do I really need E&O?” The short answer is yes—because they cover completely different risks. If you’re offering design, engineering, or consulting services, understanding the difference could save your business.
We were founded by industry pros who saw a major gap in the insurance world: too many firms were paying too much for the wrong kind of protection. We built Strux to solve that.
Key Differences
| Feature | General Liability Insurance | E&O (Professional Liability) Insurance |
|---|---|---|
| Covers | Bodily injury, property damage | Design flaws, errors, omissions |
| Triggered By | Accidents, on-site incidents | Service-related issues, documentation |
| Example | Visitor falls in your office | Miscalculated beam load delays project |
| Legal Defense Covered? | Yes | Yes |
| Needed By | All businesses | Architects, engineers, consultants |
Why Design Professionals Need Both
You don’t just run a business—you sell your expertise. That puts you at risk on two fronts: physical incidents and professional performance.
With Strux, you get:
- Smarter coverage customized for your discipline
- Savings from insurance carriers that understand your market
- Confidence that you’re fully protected from jobsite to drawing board
Why Strux?
- We work exclusively with A&E professionals
- We’re licensed in 45+ states
- We deliver tailored, affordable insurance fast
Don’t risk your projects—or your firm—on incomplete coverage. Let Strux protect what you’re building.