Draftsman Insurance Coverage Checklist
The coverages a draftsman 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 independent drafters, CAD technicians, and building designers. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
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 |
|---|---|---|---|
| Professional Liability (Drafting / Design E&O) | Covers code errors that cause rework and delays. | Core | |
| General Liability | Covers field-measure visits. | Core | |
| Prior Acts / Retroactive Date | Covers claims that surface at plan check or after construction. | Core | |
| Licensing / Regulatory Defense | Covers board proceedings E&O often excludes. | Prevalent | |
| Extended Reporting Period | Covers claims after you retire or close. | Prevalent | |
| Cyber Liability | Covers CAD files and client data. | Prevalent | |
| Business Owner's Policy | Covers plotters, workstations, and software. | Prevalent | |
| Hired & Non-Owned Auto | Covers site-measure trips. | Prevalent | |
| Workers' Compensation | Needed if you have employees. | Situational | |
| Contractual Liability | Covers indemnities from builders and owners. | Situational |
The coverage gap most often missed
The gap most often missed by drafters is the licensing exclusion. E&O carriers often exclude services that require a license you don't hold, so drafters who take non-exempt work or rely on stamping arrangements may find a claim denied. Match your declared scope to your state's exemption, and add regulatory defense coverage.
Send us the checklist and we'll review your draftsman coverage line by line, then market it across multiple carriers that compete for your account.
Related: Draftsman Insurance · Draftsman Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a draftsman business need?
The core coverages for a draftsman business are Professional Liability (Drafting / Design E&O), General Liability, Prior Acts / Retroactive Date. 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 draftsman 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.