Professional Liability Insurance (E&O)
Architecture is inherently risky. A single detail omission can result in hundreds of thousands of dollars in water damage.
Types of Coverage
| Policy Type | What it Covers | Typical Limits |
|---|---|---|
| Professional Liability (E&O) | Claims of negligence, errors, or omissions in your design work. | $1M to $5M |
| General Liability | Bodily injury or property damage at your office or non-professional actions on site. | $1M / $2M Aggregate |
| Workers' Compensation | Injuries to your employees. Required by law in most states. | Statutory |
Cost Benchmarks
Expect to pay 1% to 2.5% of your annual gross billings in Professional Liability premiums, depending on your project types (condos are high risk; commercial interiors are low risk).