Coverage and Risk, Explained Clearly.
A structured collection of articles covering how different insurance policies respond, where gaps tend to appear, and what is worth reviewing.
Articles by Coverage
Browse articles organized by coverage type.
I’m a Full-Time Architect Doing Side Work. Do I Need My Own Professional Liability Insurance?
A small side project doesn't mean small exposure. Here's why architect side work insurance matters even when your employer already carries a policy.
How to Compare Two Architects & Engineers Professional Liability Quotes
Two E&O quotes can show the same limit and deductible and still respond very differently to a claim. Use this checklist to compare
Why Would an E&O Policy Require You to Maintain General Liability Insurance?
Some professional liability policies require you to keep general liability coverage in force. Here's how a general liability warranty works and what to
What Is an Extended Reporting Period (Tail) on an A&E Professional Liability Policy?
Most A&E professional liability policies are claims-made. An extended reporting period gives you more time to report claims after the policy ends, subject
Are Engineering Services You Perform for Your Own Development Company Covered by E&O?
Engineering work performed for a company you also own raises coverage questions most standard E&O policies weren't written to answer automatically.
Does an Email Count as a Written Contract for Professional Liability Insurance?
Some E&O policies only cover services performed under a written contract. Here's why an email approval or verbal go-ahead may not satisfy that
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Featured Articles
Articles Worth Reviewing
Selected articles addressing common questions and coverage considerations.
Do Architects Need Tail Coverage When They Retire?
Retirement does not necessarily end an architect's professional liability exposure. Learn how tail coverage can address claims involving work performed before retirement.
You Don’t Have to Design the Building to Get Named in the Lawsuit: E&O for 3D Scanning Companies
A 3D scanning company doesn't design or build anything, but it supplies the information other people build from. When that information turns out
OCP vs. Additional Insured: What’s the Difference?
OCP and Additional Insured status can both appear in project insurance requirements, but they provide different types of protection. Learn how each works
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