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.
Does Professional Liability Insurance Cover Expert Witness Work?
Expert witness and litigation consulting work isn't automatically covered just because your underlying profession is insured. Here's what to confirm before relying on
What Counts as “Professional Services” Under an Engineer’s E&O Policy?
An E&O policy doesn't automatically cover every service an engineer performs. Here's why the professional services definition matters before adding new revenue streams.
What Is a Hammer Clause in Professional Liability Insurance?
When your insurer wants to settle but you don't, a hammer clause decides who pays the added cost. Here's what "no hammer," "50/50,"
First-Dollar Defense vs. Deductible Including Defense Costs: What Engineers Need to Know
A professional liability deductible doesn't always apply only to damages. On some A&E policies, it applies to defense costs too, so a dismissed
Adding Inspection Services to Your A&E Firm? Check Your Insurance First
Adding inspection services can create professional exposures that differ from a firm's traditional design or consulting work. Review your insurance before expanding the
Can Geotechnical Mistakes Turn Into Professional Liability Claims?
Geotechnical mistakes can create major construction losses, but the engineer is not always responsible. Learn how professional liability may apply.
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Featured Articles
Articles Worth Reviewing
Selected articles addressing common questions and coverage considerations.
If You Stamp Engineering Drawings, What Liability Are You Actually Taking On?
If you're a PE starting to stamp engineering drawings, your insurance depends on how you work, who employs you, and whether you take
What Does Professional Liability Insurance Cover When a Plan Error Becomes a Claim?
Catching a mistake before anything is built gives an engineer the most options. This page covers how to correct and document a plan
What Happens to Professional Liability Insurance When an Architecture Firm Changes Names?
A new business name isn't the same as a new business entity. Here's what your professional liability carrier needs to know before or
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