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The following article was published in our article directory on May 7, 2010.
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Why You Should Consider Getting an Architect's Professional Liability Insurance

Article Category: Business Management

Author Name: Robert McDonough

Not that many architects believe in getting themselves protected by what is called an architect's professional liability insurance. This insurance, which is sometimes called an E&O Insurance or Errors and Omissions Insurance, helps to keep professional consultants like architects from claims that are made against work that they make or made in the past. When an architect gets himself an architect's professional liability insurance policy, this does not mean that he does not trust his work. He basically acknowledges that mistakes and errors can occur, regardless of whether these were done due to incompetence, negligence or due to certain twists of fate.

There are a number of reasons why you, as an architect, should get yourself insured with an architect's professional liability insurance policy. Whether you are part of a small firm, you own a small firm or are an independent contractor, covering yourself with such a policy is a very wise move. Imagine being sued for a fault that was brought about by a small miscalculation at the start of your work which then results in personal injuries, damage or loss of property or loss of income and you do not have the funds to cover the litigation costs and the possible amounts in restitution these claimants ask from you. Even claims that are brought against you by people who are only out to discredit your work or are out to blame you for mistakes made by others can cause you a lot of trouble and grief and can also cost you a lot of money.Ž

When you have an architect's professional liability insurance in place, you will find that whether or not these claims are with grounds or not, you will be able to cover the costs of defending yourself and the possible costs of paying for damages. This is because you have an insurance policy that covers these for you. As long as the claims come from projects that were started after you took out the policy and you keep your policy up to date, you will find that any claims that are made against your work or the work of those in your firm will be covered and the expenses that are usually made with these lawsuits are shouldered by your policy.

No matter how sure you are with your work or how closely you pay attention to each detail of your projects, there will be some instances when errors made by others will be placed on your shoulders. While you may find yourself exonerated from such cases after you are proven to be innocent, the cost of the defense can set you back a great deal. If you have an architect's professional liability insurance in place, the cost of going to court will be covered by the policy. You will find yourself being able to continue with other work regardless of the costs made due to these claims since the cost of the defense will not affect your firm's cash flow due to the insurance you have in place for these kinds of occurrences.

Keywords: architects liability insurance, engineers liability insurance, civil engineers liability insurance, geotechnical engineers liability insurance, soils engineers liability insurance, structural engineers liability insurance

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