Insurance for Architects and Engineers

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Insurance for Architects and Engineers

Architecture and engineering are professions that require knowledge, planning, and precision. Because of the nature of their projects and the amount of preparation that goes into them, architects and engineers face many exposures and risks that other professionals don’t. As a result, they need proper insurance coverage to account for any instances of mistakes, negligence, or other legal issues.

Recommended Coverages

Errors & Omissions

E&O is a kind of professional liability insurance that can protect employees and companies from claims against negligent work and mistakes made in professional advice or services given. See Professional Liability

General Liability

Commercial general liability typically provides coverage in case an injury or damage takes place on a business' property or while a business is operating. For instance, a customer could slip on the floor of your property, or an employee working at someone's home can slip and cause damage.

Business Interruption

Business interruption insurance, also known as Business Income insurance, is a form of time-element coverage. It replaces lost income a business would have made during a specific period had no loss occurred. Coverage, however, is triggered only if there is direct physical damage to covered property by a covered cause of loss. Operating expenses can also be covered if a business needs to change locations or make loan payments. However, it often does not protect closed businesses if a pandemic occurs.

What are the insurance requirements for architects and engineers?

While your coverage needs may vary somewhat based on what types of projects you take on and the size of your business, professional liability insurance — sometimes referred to as E&O (errors & omissions) — should be considered a standard part of any comprehensive insurance plan for architecture and engineering professionals. Whatever you prefer to call it, this type of coverage serves to protect from legal liability related to situations like miscalculations or perceived breaches of contract.

We can connect you with carriers in the industry that specialize in professional liability and can also write other types of coverage you may need. Complete our quote request form to receive your free consultation today.

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Insurance for Architects and Engineers

Manage your risks with professional liability coverage

Need a faster quote?

Call one of our agents now!