Professional vs. General Liability Coverage

As architect, you already know about the many complications that can arise during a project. You need protection from having to cover any of the potential losses that these issues may cause. Most would assume that protection to be part of their general liability insurance policy. That assumption couldn’t be further from the truth. Real protection against any and all losses only comes through architect professional liability insurance.

Generally liability insurance coverage, while helpful, isn’t nearly as comprehensive as many may think. Often, their coverage only extends to property damage and personal or bodily injury. Other more common policy add-ons help to cover both employer and product liability, but all too often, claims made against architectural services fall outside of these more common coverage areas.

The Protection Provided by Professional Liability

It’s in these instances where you really need architect professional liability insurance. Such coverage extends to claims involving:

  • Negligence
  • Violation of good faith and/or fair dealing
  • Misrepresentation
  • Inaccurate advice

Complaints involving technological properties, such as cyber liability and data breach, are often not covered under a general professional liability policy, but such additional protection can usually be amended to almost any insurance package.

Don’t allow yourself and/or your firm to be left unprotected in the event of a lawsuit. With a comprehensive architect professional liability insurance policy, you guarantee that you’ll be covered against any claims made against your work. That coverage offers a peace-of-mind that can’t be compensated for.

 

photo credit: Bert Kaufmann cc

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