Limits Don’t Stack the Way You Think
A $5 million umbrella requirement usually means $5 million sitting over your general liability, not a total that includes it. Learn how to read the wording before you buy the wrong limit.
When a Compliance Vendor Keeps Rejecting Your Certificate
Outside compliance services often reject certificates because the endorsements behind them are missing. Learn which endorsement pages reviewers want and how engineers can pass review the first time.
“Name Us on Your E&O.” What to Send Back
Clients often ask to be named additional insured on professional liability, usually by copying construction requirements. Here is what design firms can offer instead and a short insurance-only reply to adapt.
When a Construction Insurance Exhibit Lands on Your Design Contract
Owners often attach the same insurance exhibit to every contract, including design agreements. Here is how architects and engineers can sort what fits, what costs more and what their policies cannot support.
The Certificate Isn’t the Coverage: Why a Certificate of Insurance Doesn’t Add an Additional Insured
A certificate of insurance summarizes your coverage but does not change your policy. Here is what the certificate does, what the endorsement does, and what design firms should send when a contract asks for additional insured status.