Insurance for Code Consultants & Plan Reviewers
Coverage for building code consultants, accessibility specialists and life safety advisors.
Your opinions shape how a building is designed and whether it passes review. When an interpretation is challenged, a claim can follow.
How Risk Shows Up in Code Consulting
Code interpretations
An interpretation the building official rejects can mean redesign and delay.
Accessibility
ADA and accessibility claims are common and often name everyone involved in the design.
Life safety
Egress, fire separation and smoke control advice is closely examined after any incident.
The Stack Most Code Consultants & Plan Reviewers Carry.
Pollution exposure often needs its own policy or endorsement.
Hover a layer to see what it covers. Every firm is different, so treat this as a starting point.
Carriers Don’t Always Understand What You Do.
Site and environmental work carries pollution exposure that many standard policies exclude. The wrong form can leave your core work outside the policy.
When the work is misread
- Pollution excluded from the professional liability policy
- Testing and sampling rated like contracting
- Mold, asbestos or lead work not addressed at all
- Contract requirements for pollution coverage met on paper only
How we submit your firm
- Your consulting, testing and field work described separately
- Pollution exposure matched to the right form
- Contract requirements checked against the policy before you sign
- Carriers that write environmental professionals every day
A Quote Built Around Code Consultants & Plan Reviewers.
The quote form starts with your specialty filled in. Your state, size and revenue are one tap each, and a specialist reviews it before anything goes to a carrier.
Questions We Hear From Code Consultants & Plan Reviewers.
Questions usually follow a report: who relied on it, what the contract requires after the job ends, and whether pollution is part of the picture.
Answers are general. Your policy and your contract always control.
Ask yours on a 15-minute callSomeone I never met relied on my report. Am I exposed?
Buyers, lenders and owners often rely on inspection and testing reports. Make sure your application lists every report type you issue, and read the reliance language in your agreements.
Do I need pollution coverage if I don't handle hazardous material?
Sampling, testing or advising on a contaminated site can draw a pollution claim even when you handled nothing. Many general and professional policies exclude it. Contractors pollution or a combined professional and pollution policy fills that gap.
The contract says to keep coverage for years after completion.
That is an ongoing obligation. Keep the claims-made policy in force for that period, or buy an extended reporting period if you close or switch carriers.
Why does a client need a waiver of subrogation from me?
It stops your carrier from recovering from the client after paying a claim. It is common on site work. Many policies can add it by blanket endorsement when a written contract requires it.
What insurance does Florida require for private providers doing plan review and inspections?
Florida Statute 553.791 sets minimum professional liability limits of $1 million per occurrence and $2 million aggregate for projects with a construction cost of $5 million or less, and $2 million and $4 million above that. Claims-made coverage must be maintained for at least 5 years after the work, the insurer must be authorized in Florida with an A.M. Best rating of A or better, and a certificate goes to the building official before work starts. Read the current statute and confirm with the building official.
Straight Answers
Not sure how your firm was classified?
Send us your current policy or application. We’ll tell you how your work reads to an underwriter.
Review My Coverage Or get a quote →Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.