General Liability and Property (BOP)
General liability is built for injury and property damage claims: a client trips in your office, or a site visit damages someone’s property. It is also the policy most contracts want to see on your certificate.
For many firms it is packaged with property coverage for computers, equipment and your space in a business owner’s policy (BOP).
What It Is Built For
Injury at your office
A visitor, client or delivery driver is hurt on your premises.
Damage on site
Your staff damage property during a site visit or survey.
Contract requirements
Additional insured, waiver of subrogation and primary and noncontributory wording that owners and landlords require.
Your equipment
Computers, plotters, scanners and furniture, in the office and often in transit.
Contract Language to Watch.
The most common requirement. Larger projects often add a per project aggregate and umbrella limits.
Needs the right endorsements on the policy, not just a line on the certificate.
General Liability & Property (BOP): Common Questions
Does general liability cover mistakes in my designs?
No. Errors in design or advice are professional liability claims. Most general liability policies for design firms specifically exclude professional services.
What is a BOP?
A business owner’s policy packages general liability and property coverage together, often at a lower cost than buying them separately.
Why does my lease require general liability?
Landlords want to know a claim from your space will not land on them. Most leases require them to be named additional insured.
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.