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.
Can a Civil Engineering Mistake Become a Professional Liability Claim?
A small civil engineering error can create a much larger project loss. Here is how professional liability insurance may respond when a design
Can a Surveyor’s Mistake Become a Professional Liability Claim?
A small surveying error can become an expensive professional liability problem once construction is underway. Here’s how the exposure can develop.
Why Is It So Hard for an Owner’s Representative to Find Professional Liability Insurance?
Owner’s reps can have trouble finding E&O coverage because insurers may classify construction management services differently. Here’s what to look for.
Can a Structural Engineer Be Sued for a Problem They Didn’t Cause?
A structural engineer can be named in a lawsuit involving work they believe was someone else's responsibility. Learn how third-party claims, standard of
Can an Engineer’s Emails Create Professional Liability Problems?
Worried a routine email could come back to haunt you in a professional liability claim? Here's how project documentation actually gets used when
A Client Wants You to Double Your Professional Liability Limit. What Are Your Options?
A client asks your architecture or engineering firm to increase its professional liability limit from $1 million to $2 million. Before changing your
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Featured Articles
Articles Worth Reviewing
Selected articles addressing common questions and coverage considerations.
What Happens After Stamping Someone Else’s Design and an Error Gets Through?
When a designer's error gets past the engineer who stamped the drawings, responsibility rarely stays with one person. This page covers what the
How Much Does Professional Liability Insurance Cost for Structural Engineers?
Structural engineer insurance cost varies by firm. Learn how revenue, project types, claims history, coverage limits, and services can affect professional liability premiums.
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,"
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