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.
Why Did My Architects & Engineers Professional Liability Premium Increase?
An A&E liability premium can increase even without a claim. Learn how revenue, weighted revenues, project risk, and other underwriting factors can affect
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.
Can an Umbrella Policy Satisfy a $2 Million Auto Liability Requirement?
Contract asking for $2 million in Auto Liability but your primary policy only carries $1 million? Here's how Umbrella and Excess coverage fit
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
What is OCP and Why Would an Engineering Firm Need it?
OCP insurance can be required on specific construction projects even when an engineering firm already carries general liability and umbrella coverage. Learn who
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Featured Articles
Articles Worth Reviewing
Selected articles addressing common questions and coverage considerations.
We Asked Civil Engineers What They Wanted to Know About Insurance. Here’s What They Asked.
Civil engineers often have practical insurance questions about contracts, documentation, moonlighting, project requirements, and the cost of meeting coverage requirements. This AMA explores
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
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.
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