Architects should consider the following core protections based on the scale and nature of their practice:
- Professional Liability Insurance (Errors & Omissions): Safeguards against claims of negligence, design errors, or construction delays.
- General Liability Insurance: Covers bodily injury or property damage that might occur during meetings or site visits.
- Commercial Property or Business Owner’s Policy (BOP): Protects your office, equipment, and may include business interruption in one bundled policy
- Commercial Auto Insurance: Essential if you or your staff drive for site visits or deliver documents.
- Workers’ Compensation: Required if you hire employees, covering job-related injuries.
These policies together form a safety net for professionals navigating both design risks and everyday operations.
