Architects & Engineers Liability Insurance
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Architects & Engineers Liability Insurance Information
Architects & Engineers Liability Insurance
Coverage For Businesses Across The United States
With plenty of opportunity for growth and income also comes a lot of risk. Architects and engineers are invaluable to society, providing new and innovative creations and ways to adapt technology. Unfortunately, offering these specialized services can come with danger, especially when dealing with clients.
It’s crucial for architects and engineers to protect themselves and their practice with comprehensive professional liability insurance policies. Professional liability insurance—also sometimes referred to as E&O insurance—provides a multitude of potential benefits for architects and engineers — such as coverage for personal injury, defense costs, negligence and claims against past-rendered services.
How Architects & Engineers Liability Insurance Can Help
Consider this example: A designer misinterprets your renderings and orders costly materials that are not going to work with your plans. Your mutual client is upset and sues both of you for professional negligence and demands that you reimburse him for the useless materials. You do not believe this is your fault but you have been named in the lawsuit and have a responsibility to appear in court. Professional liability insurance could protect you against claims of negligence and will appoint an attorney to defend you, if needed, even if you haven’t made a mistake.
When a client reacts negatively to your services or otherwise feels as if they have been damaged in some way by the services you provide as an architect or engineer, getting sued is always a possibility. Potential issues can come in many different forms but you can protect yourself by getting E&O insurance—a crucial tool for providing peace of mind.
Other Coverage Options
In addition to times when architects and engineers can benefit from having professional liability insurance, there are certain scenarios that are not usually covered under this type of policy. General Liability—also called commercial general liability (CGL)—covers business owners against property damage, claims of bodily injury and any associated medical costs.
Consider this example: A building inspector was hired to inspect a renovation project in an office building. Part of the building was occupied. While the inspector was passing through the occupied section of the building, he inadvertently knocked an expensive vase off a table in a lobby area. General liability insurance could protect building inspectors against third-party claims of bodily injury, associated medical costs and property damage.
Get Started Today
The agents at All Pro Coverage will help you find the policy you need to protect yourself in the event of professional liability or general liability claims. Call us at (888) 858-1777 or fill out an online application to receive a free quote today.
Common Architects & Engineers Insurance Questions
It's generally recommended that architects carry general liability and professional liability insurance. General liability protects against non-professional negligent acts resulting in bodily injury or property damage while professional liability protects against professional negligent acts resulting in monetary loss of a client.
Architects often carry their own insurance — especially when contracted on a job — in order to cover themselves and their business from lawsuits.
Professional indemnity insurance is crucial for architects. Also known as professional liability insurance or errors and omissions insurance (E&O insurance), this policy type protects the architect from claims concerning acts of professional negligence. If the work an architect completes results in damage or loss to a client, professional liability insurance will help with the architect's legal fees to defend against the claim as well as possible settlement costs.
Most engineers pay around $155 a month for professional liability insurance.
Architects may pay around $145 a month for professional liability insurance.
Architects professional liability insurance is a professional liability insurance policy geared to protect architects from claims regarding their performed services.