Coverage for BIM & 3D Data Services
Structured around how digital models and scan data are created and used and how risk presents across that work.
BIM and 3D scanning providers generate digital models and capture site data used for design, coordination, and documentation.
Exposure is shaped by data accuracy and how models are developed and relied upon. Model coordination, level of detail, and integration with design all influence outcomes.
Work is often used by multiple parties across a project lifecycle. We review how your services are delivered and relied upon before making any recommendation.
Where Exposure Tends to Arise
How Risk Typically Presents in BIM & Scanning Work
Data Capture & Accuracy
Scans and models are relied upon for measurements and coordination. Variations in capture or processing can affect outcomes.
Model Interpretation
Different teams may use the same model in different ways, depending on their role in the project.
Version Control
Multiple iterations of a model may exist. Outdated or mismatched files can influence decisions.
Downstream Reliance
Models are often used beyond their original purpose or phase of work.
What We Place
Coverage Typically Considered for BIM & 3D Scanning Firms
Coverage is considered based on how your firm operates, the types of projects you take on, and how your contracts are structured. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Builders Risk
Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
Worth Reviewing
How Models and Deliverables Are Defined
Agreements define model scope, level of detail, and intended use. These terms influence how outputs are interpreted.
Coordination with designers, contractors, and consultants is a factor. Insurance requirements should align with how the work is structured.
The Process
How We Approach It
From initial conversation to structured recommendation, every step is deliberate.
Step 1
Understand Your Role
We review how data is captured, processed, and delivered across your projects.
Step 2
Review Existing Coverage
We assess current policies, including limits and exclusions, against how your services are performed.
Step 3
Align Coverage and Contracts
We consider how your coverage supports the way your models and data are used.
Common Gaps
Where Data, Models, and Use Intersect
Exposure often develops in how models are used. Assumptions based on level of detail, coordination gaps between disciplines, reliance on incomplete or evolving data.
Coverage that appears sufficient at a high level may not reflect these factors.
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