Cost of E & O insurance

[sutcac]

...what is meant by errors & omissions? Is it like if the designer calls out the incorrect Simpson tie? Wouldn't that be the responsibility of the licensed Engineer calling out details?

If you are doing the drafting work for your engineer, then I would highly recommend completely separating the structural sheets from the non-structural ones. Anything non-structural, my engineer will call out "per architect" and anything shown in my arch. details even remotely structural in nature will say "per engineer".

Getting back to what has been said on this forum before, most claims against design professionals are for water intrusion, not structural stuff. So you are responsible for those non-structural details. If the detail fails to do the job properly (i.e., if there is an error or omission on your plans), this could result in a claim.