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It's not entirely clear whether the extra $4K belongs to you, or your insurance company. One thing is pretty clear though: the $4K does not belong to the roofing contractor. The contractor, having given you an invoice for $18K and receiving a check for $22K knows this without a doubt, and IMHO this constitutes nothing less than an attempt to steal from you. ...


Insurance for professional mistakes is called errors and omissions insurance, or E&O. Searching reveals a number of firms offering technology errors and omissions insurance. The International Risk Management Institute says Tech E&O policies cover both liability and property loss exposures. Major liability insuring agreements include losses ...


The more common course is not to insure against the liability but to have limits on liability, warranty disclaimers, and dispute resolution procedures specified in the contract.

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