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Originally posted by V-Tail:

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Originally posted by jhe888:

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Originally posted by a1abdj:

Why not start with a claim with their insurer?

There is not insurance for fucking up a job.

E & O?

No, E&O is usually insurance for corporate management problems. Like when directors/board members breach their duties. Policies called E&O policies exist in other contexts (insurance agents for example), but not for this sort of problem.

CGL (corporate general liability) policies are what a business like this will have. That will cover accidents, like their building burns down and incinerates your car or you. CGL policies don't usually cover deficient performance of contractual obligations (bad work). Insurance coverage is a complicated legal field, and whether a given incident triggers coverage can be exceedingly complicated. I wouldn't expect a normal CGL policy to cover bad work, especially when the resulting damage is purely economic damage to other property. CGL insurers cover against the unforseen, but not against their insured's incompetence, generally speaking.

That said, as is usually true in the law, it all depends - partly on state law, and also on the language of the policy.