Coverage for Building Diagnostic Services
Structured around how building conditions are assessed and reported and how risk presents across that work.
Building diagnostics firms assess existing structures and report on condition, performance, and potential issues. This may include envelope evaluations, moisture intrusion, structural observations, or system assessments.
Exposure is shaped by what is observed and how it is communicated. Reports are often used for decisions involving acquisition, repair, or further investigation.
Some conditions are not fully visible or accessible at the time of inspection. We review how your services are structured before making any recommendation.
Where Exposure Tends to Arise
How Risk Typically Presents in Diagnostic Work
Condition Assessment
Evaluations are based on observable conditions at a specific point in time.
Reporting & Conclusions
Findings and recommendations are relied upon by clients and third parties.
Inspection Limitations
Certain conditions may not be visible or may develop after the assessment.
Use of Reports
Reports may be referenced beyond the original scope or purpose.
What We Place
Coverage Typically Considered for Building Diagnostics 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 Scope and Limitations Are Defined
Agreements define inspection scope, methods used, and limitations of review. These terms influence how findings are interpreted.
Reports may include assumptions or recommendations for further investigation. How these are presented can affect how clients rely on the results.
The Process
How We Approach It
From initial conversation to structured recommendation, every step is deliberate.
Step 1
Understand Your Services
We review the types of assessments you perform, how inspections are conducted, and how findings are documented.
Step 2
Review Existing Coverage
We assess current policies, including limits and exclusions, against how your services are delivered.
Step 3
Align Coverage and Contracts
We consider how your coverage supports how your findings are communicated and relied upon.
Common Gaps
Where Findings Are Extended Beyond Scope
Exposure often develops when reports are used beyond their intended scope. Assessments treated as comprehensive evaluations, findings interpreted without limitations, or conditions changing after inspection.
These situations often come down to how scope and limitations were communicated.
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Tell us about your firm and the work you take on.
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