Agent or Broker? What You Get When You Call a Brokerage
Owners who only bought insurance online often wonder what an agent or broker actually does. This article explains the terms in plain words and what to expect after you buy.
Your First Big Contract Wants Workers’ Comp and an Umbrella. Now What?
A first large contract often arrives with a full insurance section, including workers’ comp and an umbrella. This article explains what owners ask for and how to close the gaps.
How Much Should a Small Firm Budget for Insurance?
Many small firms buy insurance before the business is built, so it rarely makes it into the budget. This article explains what drives premiums and how to plan before revenue grows.
Contractor or Designer? Most Firms Are Neither
Many consultants sit between design and construction, and insurers often place them in the closest box. This article explains how to describe your AEC firm so the application matches your work.
Contractors E&O Is Not Just for General Contractors
Contractors E&O covers professional advice errors for firms that also touch construction, and it is not limited to general contractors. This article explains how it fits alongside general liability.
The Policy You Bought Online Was Built for Someone Else
Many small firms buy an online E&O policy in a few minutes, and it often fits on day one. This article covers the signs a growing firm has outgrown it and what to ask before renewal.
Finishing Another Firm’s Project. What Happens to Your Professional Liability When You Stamp Drawings You Didn’t Start
Asked to finish a project another firm started? Learn how taking over another architect’s project insurance works, what sealing the drawings can mean, and when a project-specific policy helps.
Your Revenue Went Up, So Did Your Premium. How Professional Liability Is Priced, and Why Money You Pass to Consultants Still Counts
Your renewal went up even though your profit went down. Learn how professional liability is priced, how weighted revenue works, and why fees you pass to consultants usually still count.
Hits: Employment and Cyber Claims at Design Firms
Two short answers for design firms: which policy may respond when a fired employee makes threats, and what to do when a hacked email account sends phishing messages. Both scenarios are anonymized.
Contract Clauses That Actually Helped in Real Claims
The right contract clause can change how a claim plays out. Drawing on anonymized claim files, this article covers the contract clauses that helped design firms, which clauses created exposure, and what to review before you sign.