Insurance for engineers and architects
Design professionals are held to a standard of care, and a claim can arrive years after a project ends. The right program and the right contract language protect the firm long after the drawings are done.
What to watch for
Claims-made coverage. Professional liability is usually written on a claims-made basis, so continuity matters.
Contract language
Indemnity and insurance clauses in client contracts can push risk onto your firm.
Project exposure
Some projects need project-specific coverage or higher limits.
Subconsultants
Who you hire and what they carry affects your risk.
Coverage for this business
Every business is placed a little differently. These are the policies we talk through most often, and a conversation with Kristi will tell you which ones your business actually needs.
Professional liability
Claims from design errors or omissions.
General liability
Premises and non-professional incidents.
Cyber liability
Design files and client data.
Workers' compensation
Not required in Texas, but you are still liable for employee injuries. Workers’ comp moves that risk to a carrier.
Commercial auto
Staff driving to site visits.
Umbrella
Higher limits for larger projects.
Questions we hear
The short versions of conversations Kristi has with business owners every week.
Why does my contract matter to my insurance?
Many contracts require limits and indemnities your policy may not meet. Review them before you sign.
What is project-specific coverage?
A policy written for one project, sometimes required by an owner. It can sit alongside your annual policy.
How long should I keep coverage after I close the firm?
Claims can surface years after work ends. Ask about tail coverage before you wind down.
Ready to have someone in your corner?
Book a free consultation. We’ll walk through your business, identify the gaps, and build a strategy that actually fits.