Design professionals can face claims long after a project ends, so professional liability is central to the program.
Coverages we usually review
- Professional liability
- General liability
- Workers’ compensation
- Cyber
Where gaps often show up
- Claims-made timing and retroactive dates
- Contract language that adds liability beyond what insurance covers
- Owners who require project-specific policies
Questions worth asking
- What are my retroactive date and extended reporting options?
- Do my client contracts require higher limits?
- Is defense inside or outside the limit?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.