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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. ...


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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 ...


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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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