Frequently Asked Questions
Insurance Questions, Answered
Clear, practical answers to common coverage questions. If something is specific to your firm, we can review it together.
Do I need Professional Liability if I already have General Liability?
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.
How do I know if my current coverage is sufficient?
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.
Can I just go with whatever my contract requires?
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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