Your Insurance Questions, Answered.

Get clear, expert answers to the most common insurance questions for architects, engineers, contractors, and design professionals.

General Business Insurance Questions

  • Most firms need a combination of:

    • Professional Liability Insurance (Errors & Omissions) – Covers design errors & project disputes.

    • General Liability Insurance – Covers third-party injuries & property damage.

    • Workers' Compensation Insurance – Covers employee injuries & lost wages.

  • General Liability covers physical risks (e.g., injuries, property damage). Professional Liability covers errors in professional services (e.g., design flaws, missed deadlines).

  • Pricing depends on:

    • Business size & revenue

    • Industry risk level

    • Coverage limits & policy types

Industry-Specific Insurance Questions

  • Yes! Even minor design errors can lead to costly lawsuits. This policy protects you from client disputes, contract issues, and negligence claims.

  • Essential coverage includes:

    • General Liability Insurance – Covers third-party injuries, property damage, and legal fees.

    • Workers’ Compensation – Covers workplace injuries.

    • Builders’ Risk Insurance – Protects materials & structures under construction.

  • Yes! Interior designers face client disputes, installation errors, and contract risks.

    We recommend:

    • Professional Liability Insurance – Covers design mistakes.

    • General Liability Insurance – Protects against accidents at client sites.

    • Commercial Auto Insurance – Covers vehicle use for client visits & material transport.

  • Key policies include:

    • Environmental Liability Insurance – Covers pollution & land impact claims.

    • Professional Liability – Protects against design flaws in outdoor spaces.

    • General Liability – Covers injuries & property damage caused by landscaping work.

  • Yes! Prefab & modular construction firms need a mix of:

    • Professional Liability (for design risks)

    • Supply Chain Risk Insurance (for production delays)

    • Builders’ Risk Insurance (for protecting materials & pre-built units)

  • Smart buildings rely on automation & IoT systems, making them targets for cyberattacks. Cyber liability insurance covers:

    • Data breaches & ransomware attacks

    • System failures & financial losses due to hacking

    • Legal fees from compromised project data

  • Fast-growing construction tech companies need:

    • Tech E&O Insurance (for AI-powered design or automation errors)

    • Product Liability (for 3D-printed materials, robotics, or software solutions)

    • Directors & Officers (D&O) Insurance (for venture-backed firms)

Emerging & High-Growth Niches

  • Yes! Bundling policies saves money and ensures full protection. We create custom packages for design & construction firms.

  • Absolutely! We review policies annually to keep up with your firm’s expansion, new projects, and risk factors.

  • Without proper insurance, businesses risk:

    • Costly lawsuits & settlements

    • Project delays & contract losses

    • Business closure due to financial liability

Policy & Coverage Questions

Still have questions?