Professional Liability Insurance for Architecture Firms
Your design decisions get built into structures that stand for decades. When errors surface years later — or claims arise from construction oversight — your firm needs coverage that understands design-defect exposure and long-tail liability.
- Professional liability (E&O) coverage specifically designed for design-defect and construction-error claims
- Multi-carrier quotes that account for your firm's size, project types, and geographic footprint
- Expert guidance on contractual liability, design-build arrangements, and risk allocation
Architecture is a profession built on precision, but the reality of construction is that problems surface years after your drawings are filed away and the building is occupied. A structural misalignment, a waterproofing detail that fails during a rainy season, a material specification that performs differently in the field than on paper — these aren't rare edge cases. They're part of the landscape of construction, and when they happen, the liability chain often points back to the architect who designed the project. Design-defect claims can emerge five, seven, even ten years after a project completes, long after you've moved on to other clients and your project files have been archived. That timing creates what's known as long-tail liability exposure — claims that land on your doorstep years after the work itself is finished, potentially alongside several other claims from a portfolio of past projects all reaching maturity at once.
Professional liability insurance (also called errors and omissions or E&O coverage) is the foundation of risk management for architecture firms. Unlike general liability, which covers bodily injury and property damage from accidents on your office premises or project sites, professional liability covers the cost of defending design-error claims, paying settlements or judgments, and managing the expenses of scope disputes, cost overrun disputes, and allegations of design defect. For many architecture firms, a single professional liability claim can cost hundreds of thousands of dollars to defend and potentially millions if a judgment runs against you — even if the claim is ultimately groundless. Without coverage, defending a claim depletes your firm's cash reserves, distracts leadership from business, and can threaten the practice's continuity. With coverage, an insurer shares the legal and financial burden.
California's construction environment and your contractual relationships with builders, owners, and other design professionals shape how much professional liability coverage you actually need and what kinds of design-specific endorsements your policy should include. Firms doing design-build work, where you're partially responsible for contractor oversight, face different exposures than firms doing pure design. Residential architects face different claim patterns than those specializing in commercial or institutional work. Solo practitioners and small firms have different underwriting profiles than 50-person practices. Building the right professional liability policy means starting with your firm's specific situation — the types of projects you pursue, the contracts you sign, your geographic footprint, your staff size, your claims history — and then shopping that profile across carriers to find coverage and pricing that reflect your actual risk.
At Covered By Us, we work with architecture firms ranging from solo practitioners to mid-size practices serving residential, commercial, and institutional clients across Southern California and statewide. We understand the long-tail exposure architecture creates, the contractual liability issues that arise in design-build arrangements and construction-administration contracts, and the specific risks that come with California's construction market. We'll walk through your firm's service offerings, your typical project types, your contract structures, and your staff size to build a professional liability program that protects your practice without overinsuring or leaving critical gaps. Whether you're a sole proprietor offering residential design services or a growing firm handling multi-million-dollar commercial developments, let's find the coverage that fits your firm.
Who Needs Architecture Firm Insurance
Professional liability insurance is essential for virtually every licensed architecture practice, but coverage needs vary significantly by firm structure, service scope, and project types. Here are the architect profiles for whom professional liability coverage is most critical:
Solo and Small Architecture Practices
Solo practitioners and small firms (1-5 people) often lack the in-house legal resources of larger practices and face significant personal liability exposure if claims arise. A single design-error claim can threaten a small practice's solvency. Professional liability coverage is not optional for solo practitioners — it's essential protection. Many small firms also struggle to find carriers willing to write coverage at all, making an independent agent's multi-carrier relationships invaluable.
Residential Architecture and Design Firms
Firms specializing in residential design (single-family homes, multi-family residential, residential remodels) face claims rooted in design details, material specifications, and construction administration. Residential projects often involve owner-builders or less-experienced contractors who may not catch design ambiguities or specifications issues, increasing the likelihood claims will be attributed to design. Residential architects need strong professional liability coverage with clear coverage for residential construction defects.
Commercial and Institutional Architecture Firms
Firms designing office buildings, retail, healthcare, education, and other institutional projects face higher-stakes claims due to larger project values and more complex contractual arrangements. Commercial projects involve more sophisticated owners, general contractors, and consultants, all of whom have contractual agreements allocating design risk. Professional liability coverage for commercial work must clearly address contractual liability and risk-allocation issues that pure-design work doesn't present.
Design-Build Firms and Architect-Contractors
Firms providing both design and construction services (or contracting with builders to deliver design-build projects) face blended liability exposure that's neither purely design nor purely construction. Design-build arrangements create additional contractual liability because the architect is partially responsible for construction administration, cost control, and schedule management in addition to design accuracy. These firms need professional liability coverage explicitly structured for design-build arrangements, plus general contractor liability coverage to address construction-phase exposures.
Mid-Size Multi-Discipline Practices
Firms with multiple offices, diverse service lines (residential and commercial, new construction and renovation), and larger staff face more complex underwriting and higher absolute loss potential. Mid-size practices may need higher coverage limits, may face claims from multiple projects simultaneously, and may need additional coverage for emerging exposures like cyber liability (protecting digital project files) or employment practices liability. Coverage needs grow with firm complexity.
Architects Serving High-Risk Markets or Geographies
Practices in seismic zones or high-wind regions face elevated design-error exposure related to environmental forces. Architects specializing in wildfire-resilient design, flood-prone area development, or other environmentally complex projects need coverage that reflects their specific technical exposures. Geographic concentration in one region creates concentrated claims risk; practices need coverage limits and exclusions that match their location-specific exposure.
Insurance Coverages for Architecture Firms
Professional Liability (E&O) Coverage
The core coverage for architecture practices, protecting against claims of professional negligence, design errors, specification failures, and errors in construction administration or contract documents. This coverage pays for legal defense costs, settlements, judgments, and defense expenses. Limits typically range from $1 million to $5 million per claim for small to mid-size practices, with aggregate limits often double the per-claim limit. This is the coverage that responds when a building owner alleges your design caused a structural flaw, waterproofing failure, or cost overrun.
General Liability Coverage
Protects against bodily injury and property damage claims arising from your firm's premises or project activities. A visitor slips on your office stairs; a project site accident injures a bystander; scaffolding debris damages a neighboring property. General liability covers these incidents and the associated medical bills, property damage, and liability defense. Limits typically range from $1 million to $2 million per occurrence. For architecture firms, general liability is distinct from professional liability and addresses different exposures — it's a necessary complement.
Contractual Liability and Design-Build Coverage
For firms engaged in design-build delivery or providing construction administration, contractual liability coverage protects you against liability you assume under construction contracts. This includes your obligations to manage contractors, verify construction quality, keep projects on schedule and budget, and ensure code compliance during construction. Design-build firms and construction administrators face heightened liability because they're responsible for more than just design accuracy — they're accountable for construction oversight and delivery performance.
Cyber Liability and Data Protection Coverage
Architecture practices now hold vast digital records: project files, CAD drawings, specifications, cost estimates, and client information. A ransomware attack, data breach, or accidental deletion of critical project files can halt project delivery and expose your firm to liability for data loss. Cyber liability coverage protects against costs of breach response, notification, regulatory fines (where applicable), business interruption, and liability for compromised client data. As architecture moves toward cloud-based collaboration and BIM workflows, cyber coverage becomes increasingly relevant.
Business Owners Policy (BOP) — Package Option
A bundled policy combining general liability, office property coverage, and business interruption in one package. Many smaller architecture practices use a BOP as their baseline coverage foundation, then layer professional liability on top. A BOP can be more cost-effective than buying coverages separately and simplifies administration. However, verify that the BOP's professional liability component (if included) provides adequate coverage for your practice — many BOPs include only limited professional liability, requiring separate E&O policies.
Workers Compensation Insurance
Required by California law for firms with employees. Workers comp covers medical expenses, rehabilitation, and wage replacement for employees injured during employment. It also protects your firm from employee lawsuits by providing exclusive-remedy status. Payroll-based premiums vary by job classification — draftspeople and office staff face lower rates than project managers or site inspectors. All architecture firms with employees must carry workers comp; sole practitioners with no employees may be exempt in some circumstances but often choose to cover themselves anyway.
Employment Practices Liability (EPLI)
Protects against employment-related claims including wrongful termination, discrimination, harassment, wage-and-hour violations, and failure to promote. As architecture practices grow and employment relationships become more complex, EPLI becomes increasingly relevant. A single wrongful-termination lawsuit or discrimination claim can cost tens of thousands of dollars to defend even if your firm ultimately prevails. EPLI coverage pays defense costs and settlements, protecting both your firm and your leadership.
Commercial Property Insurance for Your Office
Covers your office building or leasehold improvements, furniture, equipment, computers, and project models if destroyed by fire, theft, or other covered perils. Protects your firm's ability to continue operations after a loss. Includes business interruption coverage if your office becomes unusable, providing income replacement while you relocate or rebuild. For firms with valuable equipment, models, or prototypes, commercial property coverage is essential.
Business Interruption and Contingent Coverage
Covers lost income and ongoing expenses if your office becomes unusable due to a covered loss (fire, weather, etc.). Also available as 'contingent business interruption' to cover income loss if a key vendor, consultant, or project partner's facility becomes unusable and disrupts your workflow. These coverages ensure your firm can weather temporary interruptions to operations without financial catastrophe.
Errors and Omissions Tail Coverage
Sometimes called 'run-off' or 'completion' coverage, this provides professional liability protection for claims arising from work performed before the policy inception date. Tail coverage is critical when retiring, selling your firm, or discontinuing certain services — it extends coverage for your historical work so you're protected years after you stop actively practicing. Long-tail liability means claims can emerge 5-10 years after a project; tail coverage ensures you're still protected.
How to Obtain Architecture Firm Insurance
Getting the right professional liability coverage involves more than just requesting quotes. Here's how the process works from initial consultation through policy placement and beyond:
Inventory Your Firm's Profile and Services
Start by documenting what your firm actually does: What types of projects do you pursue? Residential, commercial, institutional, or a mix? What percent of revenue comes from design versus construction administration versus other services? How many staff do you have, and what are their roles? Do you do design-build or construction oversight, or only design? What's your geographic footprint? Have you had claims in the past? Do you use BIM or only 2D drawings? What's your typical project size and value range? This inventory becomes your underwriting profile — carriers use it to assess your risk and price your coverage.
Gather Your Documentation and Contract Templates
Prepare copies of your standard contracts with clients and contractors, your firm's practices manual or standard operating procedures, evidence of your firm's experience (project portfolio, reference list), and any prior professional liability policies and claim history. Underwriters will ask about your contract language, especially how you allocate design responsibility, construction administration scope, and liability caps. Clear, protective contract language can meaningfully reduce your insurance cost because it reduces your exposure.
Work with an Independent Agent to Review Coverage Needs
An independent agent familiar with architecture firm insurance will walk through your profile, identify coverage gaps, and explain what different coverage options mean for your firm. Are you carrying adequate limits? Do you need design-build coverage or only design coverage? Should you add cyber liability? What about contractual liability? What's your appropriate deductible? The agent's role is helping you build a coverage structure that fits your firm's actual risk, not just offering the cheapest quote. This consultation uncovers nuances that a generic online quote misses.
Obtain and Compare Multi-Carrier Quotes
An independent agent shops multiple carriers and brings you quotes from at least three insurers writing architecture coverage, with identical coverage options so you can compare apples to apples. You'll see premium differences for the same coverage, different deductible options, different coverage limits available, and sometimes different coverage structures. The agent explains the tradeoffs: why one carrier is priced lower, whether the lower price comes with reduced coverage, and which carrier best understands your firm's specific risk. This is where competition actually saves money.
Negotiate and Select Coverage
With your agent's guidance, you choose your professional liability limit (often $1-5M depending on firm size and project scope), your deductible (often $5K-$25K), and any additional endorsements your firm needs (design-build coverage, contractual liability, cyber, EPLI, or others). You decide whether to bundle general liability or keep it separate, whether to add tail coverage, and whether coverage should include claims-made or occurrence basis (claims-made is typical and less expensive). This selection phase determines exactly what your policy will cover and cost.
Complete the Application and Underwriting Process
You'll complete a detailed application providing information about your firm, your services, your prior claims history, your contracts, and other details the carrier needs to underwrite your risk. The carrier may request additional documentation — copies of signed client contracts, project schedules, your firm's financial statements, or details of any pending claims or complaints. Underwriting typically takes 1-2 weeks. Being thorough and honest in your application is critical; misrepresentations or omitted information can lead to claim denials later.
Receive Your Policy and Review Coverage
Once approved, you'll receive your policy documents, declarations page, and coverage summary. Take time to read your policy carefully — understand your coverage limits, deductibles, any exclusions specific to your firm, and what's required to maintain coverage (such as reporting claims promptly). Your agent should walk through the key coverage points and answer any questions. Make sure everything matches what you discussed and quoted.
Pay Your Premium and Maintain Continuous Coverage
Pay your annual or semi-annual premium to activate coverage. Your policy becomes effective on the date payment is received and the carrier issues confirmation. Mark your renewal date on your calendar — typically one year from the effective date. Maintain continuous coverage without lapses; many contracts require proof of insurance, and a lapse can create unwanted exposure. Set a reminder to review your coverage annually or whenever your firm's scope significantly changes.
Common Liability Risks for Architecture Firms
Architecture creates unique liability exposures that different firm types experience in different ways. Understanding these risks helps you build coverage that actually protects your practice.
Design Defects and Construction Failures
A structural engineer relies on your architectural drawings and calculations; a material or sizing error means the structure is undersized or incorrectly detailed. A waterproofing detail fails during heavy rains; water intrudes into occupied spaces. A thermal bridge in your building envelope causes condensation and mold. These failures originate in design and become apparent when the building is occupied or during unusual weather. The building owner alleges your design caused the problem and files a professional liability claim. Defending these claims is expensive and can take years.
Cost Overrun and Schedule Delay Disputes
Projects exceed budget due to design changes, ambiguous specifications, or construction complexity your design didn't adequately account for. Owners or contractors allege that design errors led to delays or cost overruns. Disputes over responsibility can result in litigation, with architects pulled into disputes between owners and contractors. Design errors (whether real or alleged) become the focus of blame even if other factors contributed to cost or schedule problems. Professional liability coverage defends these disputes even though the 'error' may be contractual rather than technical.
Construction Administration Liability in Design-Build Arrangements
Firms providing design-build services or construction administration assume responsibility for monitoring contractor performance, ensuring code compliance, and managing change orders and schedules. When construction falls behind, goes over budget, or results in quality issues, the architect may be blamed for inadequate oversight or failure to catch contractor errors. These claims differ from pure design errors — they allege management failure or insufficient quality oversight rather than design defect itself.
Long-Tail Exposure and Claims Emerging Years After Completion
A building completes and everyone celebrates. Five years later, a building envelope issue becomes apparent when water damage occurs. Seven years later, a structural concern surfaces during renovation planning. Ten years later, a material failure (like elastomeric coating degradation) causes new problems. These long-tail claims create a persistent liability exposure even for completed work. Without professional liability insurance, defending a decade-old claim depletes reserves and disrupts current operations.
Regulatory and Licensing Board Complaints
State licensing boards and local building departments investigate complaints about professional negligence, ethical violations, or code non-compliance. Board investigations are separate from insured liability claims but can result in fines, license suspension, or disciplinary findings that trigger liability claims. Professional liability carriers often cover defense costs for certain regulatory matters, though the scope varies by policy. Licensing board actions can signal that an insured claim may follow.
Data Loss and Cyber Liability Exposure
Project files, CAD drawings, BIM models, cost estimates, and client information are high-value digital assets. Ransomware attacks, malware infections, accidental deletion, or theft of files can halt project delivery and trigger liability claims from clients who incur cost overruns or delays due to data loss. Cyber events can also result in notification obligations and regulatory exposure if client data is compromised. Cyber liability coverage has become essential for modern practices.
Contractual Liability and Allocation of Design Risk
Construction contracts vary widely in how they allocate design responsibility. Some contracts hold architects responsible for contractor performance; others hold architects responsible only for design accuracy. Ambiguous contracts create disputes about who's responsible when something goes wrong. A poorly negotiated or ambiguous contract can make you liable for construction problems that aren't your design errors. Professional liability coverage for contractual liability protects you against assumptions of liability you didn't intend to accept.
Employee Claims and Workplace Liability
Design professionals spend long hours in office and on-site work environments. Employee injuries, harassment claims, wrongful termination disputes, and wage-hour allegations can emerge at any time. A junior architect injured during site visits, a project manager terminated under disputed circumstances, a design assistant alleging discrimination — these claims are distinct from professional liability but can be equally costly to defend. Employment practices liability coverage (EPLI) and workers compensation protect your firm from these exposures.
California-Specific Context for Architecture Firm Insurance
California's Architects Practice Act, administered by the California Board of Architectural Examiners, sets licensure requirements and ethical standards for architects, but it does not mandate professional liability insurance coverage. However, California law does establish a framework for construction-defect claims and allocates liability for design errors in ways that make professional liability insurance essentially required for any practicing architect. Understanding this legal context helps you appreciate why coverage isn't optional and why your coverage limits and scope matter.
California's statute-of-repose concept generally limits the time period during which construction-defect claims can be filed, providing some protection from truly ancient claims. However, the specific application varies by claim type — design defects, structural failures, and latent defects can sometimes be discovered and claimed within an extended window compared to pure construction defects. This extended claims tail is why architecture creates persistent liability exposure; a design error or ambiguity discovered five or seven years after construction may still result in a valid claim. Professional liability coverage that extends across this claims tail is essential.
California's construction environment features sophisticated owners, experienced general contractors, and complex contractual relationships that shape how design liability gets allocated. Many construction contracts include explicit indemnity provisions holding architects responsible for design errors or design-related cost overruns. Court interpretations of these contracts have sometimes upheld broad indemnity language, making architects responsible for more than they intended. Careful contract negotiation and professional liability coverage for contractual liability are your protection against unforeseen liability assumptions.
California Board of Architectural Examiners Licensing and Ethics
California's licensing board requires architects to maintain professional liability insurance in most circumstances and may consider an architect's claims history or insurance status as part of ethical review. While insurance isn't explicitly mandated by statute for all practitioners, the board's regulatory environment and ethical standards make insurance strongly advisable. Board investigations or disciplinary findings can trigger or exacerbate professional liability claims, making carrier relationships important.
Construction-Defect Claims and Extended Claims Tail
California law generally limits the time period for filing construction-defect claims, but exceptions apply for latent defects (defects not discoverable through reasonable inspection) and design errors. This means design flaws can result in valid claims years after construction completion. Professional liability coverage must extend across this potential claims tail — a policy that only covers claims filed during the coverage period may not provide protection for design work completed years earlier if the claim is filed later.
Contractual Liability and Indemnity Agreements
California construction contracts frequently include indemnity provisions requiring architects to hold owners and contractors harmless for design errors and sometimes for construction-related problems. These contractual liabilities can be extensive and may exceed what you anticipated when signing a client agreement. Professional liability coverage specifically including contractual liability protection is essential; many standard policies exclude or limit contractual liability unless explicitly endorsed.
Comparative Negligence and Contribution Among Multiple Parties
California applies comparative negligence rules, meaning liability can be shared among multiple parties (architects, contractors, manufacturers, consultants) based on their respective degrees of fault. A claim against an architect may also involve claims against contractors and others, complicating both liability and coverage. Understanding how your professional liability policy interacts with other parties' coverage (particularly contractors' general liability) helps ensure you're not left to cover gaps.
Insurance Maintenance and Proof of Coverage Requirements
Many client contracts and professional associations require architects to maintain current professional liability insurance and provide proof of coverage (declarations pages or certificates of insurance). Lapses in coverage can breach client contracts and create exposure. California's construction environment is competitive and sophisticated; maintaining continuous, adequate coverage is often a condition of retaining clients and bidding on projects.
What Affects Your Architecture Firm's Insurance Rates
- Firm size and revenue — solo practitioners and small practices typically pay per-employee rates or fixed rates; larger firms pay rates based on payroll; firms with higher revenue often qualify for graduated pricing and volume discounts
- Types of projects and services — firms doing only design pay lower premiums than those providing construction administration; firms doing design-build or full project delivery face higher premiums due to expanded liability scope
- Geographic footprint — firms concentrated in one state or region pay lower rates than those working statewide or nationally; high-risk regions (seismic zones, wildfire areas) may see rate premiums
- Prior claims and loss history — firms with no prior claims qualify for better rates; architects with claims history pay higher premiums; patterns of claims (multiple claims in certain claim categories) trigger additional scrutiny
- Professional experience and staff qualifications — firms with experienced principals and staff can qualify for better rates; newer practices or those with less experienced staff may face rate premiums
- Contract and risk-management practices — firms with clear, protective contract language, documented quality-control processes, and risk-management programs often qualify for rate discounts; carriers reward documented risk management
- Coverage limits selected — higher limits (e.g., $5M versus $1M) cost proportionally more; deductible selection (lower deductibles increase premium; higher deductibles reduce it; choosing $25K versus $5K can shift premium 15-25%)
- Additional endorsements and coverages — adding design-build coverage, contractual liability, cyber liability, or EPLI to a base professional liability policy increases cost but may be essential depending on your firm's services
- Carrier appetite for architecture risk — some carriers specialize in architecture and price competitively; others have limited appetite and price accordingly; shopping multiple carriers often reveals significant rate variation for identical coverage
Architecture Insurance Terminology
Understanding these key terms helps you navigate professional liability coverage conversations and policies with confidence:
- Professional Liability (E&O) Insurance
- Insurance coverage protecting against claims of professional negligence, design errors, specification failures, and errors in professional judgment. E&O stands for 'Errors and Omissions.' This is the core coverage for architecture practices and differs from general liability by addressing professional service failures rather than bodily injury or property damage.
- Statute of Repose
- A legal time limit on how long after construction completion a claim for construction defects can be filed. Specific limitations vary by claim type and jurisdiction. The concept protects builders and professionals from indefinitely extended liability exposure, though exceptions for latent (hidden) defects mean claims can sometimes be filed beyond the repose period if the defect wasn't discoverable earlier.
- Contractual Liability
- Liability you assume through a contract with a client, owner, or contractor — obligations to perform certain work, manage certain risks, or hold other parties harmless. Professional liability coverage including contractual liability protects you against liability you've agreed to accept, which may exceed your actual design responsibility.
- Design-Build
- A project delivery method where one entity (architect, contractor, or integrated firm) provides both design and construction services, or contracts with both. Design-build creates blended liability because the architect is responsible for both design accuracy and construction oversight or contractor management, expanding the scope of potential liability beyond pure design work.
- Claims-Made Basis
- Insurance coverage that protects claims made and reported during the policy period, regardless of when the work was performed. Most professional liability insurance operates on a claims-made basis, which means you need continuous coverage to be protected for your historical work — a lapse in coverage leaves old work unprotected even if the policy was in force when the work was done.
- Tail Coverage (Run-Off Coverage)
- Professional liability coverage extending protection for work performed before a specific date (such as when retiring or discontinuing a service line). Tail coverage is essential when leaving practice, selling a firm, or ceasing to operate, as it provides ongoing protection for historical work that could generate claims years later.
- Occurrence Basis
- Insurance coverage that protects losses occurring during the policy period, regardless of when the claim is actually made. Occurrence basis is rarer for professional liability and typically more expensive than claims-made basis, but it provides broader protection because claims made years after the policy ends are still covered if the incident occurred during the policy period.
- Cyber Liability
- Insurance covering losses from data breaches, ransomware attacks, malware, and accidental data loss affecting your firm's digital assets (project files, client information, CAD drawings). Cyber liability covers costs of breach response, notification, business interruption, and liability for compromised data — increasingly important as architecture practices move to digital and cloud-based workflows.
Why Covered By Us for Architecture Firm Insurance
We're an independent insurance agency based in Pomona, California, with deep experience in commercial lines insurance for professional services firms, including architecture practices. Because we're independent, we shop multiple carriers on your behalf and bring you real competition, not just quotes from one or two insurers. We work with carriers who specialize in architecture coverage and understand the nuances of design-defect claims, construction-administration liability, and long-tail exposure. We know which carriers have strong appetite for residential architects, which specialize in commercial practices, and which are best suited for design-build firms. That carrier expertise translates directly into better quotes and better coverage for your firm.
We start by understanding your firm: How many people do you have? What types of projects do you pursue? Do you do construction administration or only design? Do you engage in design-build delivery? What's your geographic footprint? What do your standard client and contractor contracts say? Have you had prior claims? This conversation isn't just to build an underwriting profile — it's to identify coverage gaps and opportunities. Many architecture firms carry policies that don't actually reflect their current services or their actual liability exposure. We review your current coverage (if you have it) and often find ways to reduce cost, increase protection, or both. We'll help you understand what you actually need to carry and why it matters.
When claims or underwriting questions arise, we're your advocate with the carrier, not their agent. If you need to report a potential claim, we help you navigate the reporting process to protect your coverage. If an underwriter asks questions about your firm or contracts, we help you provide complete, accurate answers that represent your risk fairly. And if you ever have to file a claim, we support you through the process. Most importantly, we stay in touch — we review your coverage annually, confirm your firm's situation hasn't changed in ways that affect coverage, and help you shop the market to ensure you're not overpaying. Start My Quote online at coveredbyus.com, call 909-278-7053, or stop by our Pomona office — let's talk through what your architecture firm actually needs and find the right coverage at the right price.
Frequently Asked Questions
Is professional liability insurance required for architecture firms in California?
What's the difference between professional liability and general liability for architects?
How much professional liability coverage does an architecture firm need?
What's a claims-made policy, and why do most architects use them?
Do I need separate coverage for design-build services?
What happens if I have a gap in my professional liability coverage?
Should I consider cyber liability coverage for my architecture firm?
What should I look for in a professional liability policy?
How often should I review my professional liability coverage?
What do I need to do if I think I have a potential professional liability claim?
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