Architects & Engineers Insurance Coverage Checklist
The coverages an architects & engineers business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for architecture and engineering firms. Priorities reflect typical exposure; confirm against project types and contract terms.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Architects & Engineers Professional Liability | Covers design errors — confirm limits fit the largest projects. | Core | |
| Project-Specific Professional Liability | Dedicated limits for large or high-risk projects. | Situational | |
| Commercial General Liability | Covers site-visit injuries and office premises. | Core | |
| Cyber Liability | Covers breaches of client data and notification costs. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is contractual liability beyond the standard of care. Owners' contracts often ask designers to indemnify broadly or warrant results — obligations professional liability won't cover. Life-safety design carries the most severe claims, as the 2018 FIU bridge collapse showed. Firms should negotiate indemnities to their negligence, avoid warranties, and peer review structural work.
Send us the checklist and we'll review your architects & engineers coverage line by line, then market it across multiple carriers that compete for your account.
Related: Architects & Engineers Insurance · Architects & Engineers Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an architects & engineers business need?
The core coverages for an architects & engineers business are Architects & Engineers Professional Liability, Commercial General Liability, Cyber Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my architects & engineers coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.