Architects and engineers provide their services for individuals, businesses and government agencies and manage projects throughout entire construction processes. Some architects and engineers specialize in landscape design and planning. We offer insurance programs tailored to the unique needs of your architectural service, including General Liability, Errors & Omissions, Property, Crime, Workers’ Compensation and more.
Since customers are infrequent visitors to the offices of architects, premises liability risks are low. However, delivery people and maintenance workers do arrive in the office with regularity. For instance, a courier delivering plans to your office could trip on a curled doormat or wet floor and sustain serious injury
Losses can also occur when architects visit other sites, including building sites and clients’ offices. If an employee on a client’s job site gets into an altercation causing an injury to someone your firm could be liable. Likewise, if an employee speaks disparagingly of a competitor who hears of it, a personal injury lawsuit for slander could result.
Professional liability lawsuits can occur when mistakes are made in the designs or implementation of the designs and clients experience loss as a result. For example, your client may require an ADA-compliant design. If you mistakenly advise purchasing handrails that no longer meet ADA requirements, you could be liable for the defense costs associated with hearings and fees for code violations as well as reinstallation of the proper equipment.
There is a risk of automobile accidents when architects and other employees of architecture services drive automobiles for business purposes; automobiles may be company-owned, employee-owned or rented. Typical scenarios are an employee driving to an off-site meeting hits another driver, damaging a lamppost when maneuvering into a parking space, or causing a multiple-car accident while texting and driving. A business auto policy will cover the cost of repairs to the cars and/or property involved, as well as medical costs related to physical injuries sustained by drivers and passengers of the other vehicle.
Architects risk losing a variety of valuable materials, including drawings and data stored in computers. Fire, severe weather and plumbing/electrical mishaps can cause property loss or damage. For example, heavy, wet snow accumulating on a roof can result in the roof caving in. Equipment, furniture and paper files/drawings exposed to the elements and melting snow would likely be heavily damaged. Property insurance would cover the cost of repairs and replacement, and loss of income if the business were inoperable while repairs are being made.
The primary crime risk for architects and architecture services is workers who steal money or supplies from their employer. A bookkeeper or other employee with access to the business financial and banking information can circumvent the security systems in place and embezzle funds.