Insurance Questions, Answered
Frequently Asked Questions
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Clear, practical answers to common coverage questions.
GL is generally intended to address third-party bodily injury and property damage.
Professional liability is designed for claims tied to professional services. Most AEC firms carry both depending on their operations.
Coverage is generally evaluated based on your operations, contracts, and exposure profile.
Policy limits, exclusions, and how coverages interact all factor into whether a program aligns with your risk.
Contract minimums are generally set to protect the project owner.
They are a useful reference point but not necessarily the right limit for your firm’s specific exposure. We review both before making a recommendation.
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