Question 1

What is a common misconception about Professional Liability (E&O) for Architects & Engineers?

Accepted Answer

A&E firms think E&O is just for big firms. Even sole-practitioner architects can face $1M+ design-defect claims years after project completion.

Question 2

What happens if architects & engineers don't have Professional Liability (E&O)?

Accepted Answer

Eight years post-completion, a structural engineer is named in suit when a parking garage shows premature cracking. Defense alone is $200K; settlement is $850K. E&O pays.

Question 3

What is a common misconception about General Liability for Architects & Engineers?

Accepted Answer

A&E firms working remotely think they don't need GL — but contracts and licensing boards routinely require it.

Question 4

What happens if architects & engineers don't have General Liability?

Accepted Answer

An A&E principal slips on a wet floor at a construction site visit and injures the GC's superintendent — $30K claim against the firm. GL pays.

Question 5

What is a common misconception about Cyber Liability for Architects & Engineers?

Accepted Answer

BIM and CAD files are valuable IP — and ransomware operators know it. Recovery without backups can be catastrophic.

Question 6

What happens if architects & engineers don't have Cyber Liability?

Accepted Answer

Ransomware encrypts the firm's CAD/BIM repository. Recovery, notification, and client claims total $290K. Cyber pays.

Question 7

What is a common misconception about Employment Practices Liability (EPLI) for Architects & Engineers?

Accepted Answer

Mid-size A&E firms have specific EPLI exposure due to long careers and seniority disputes.

Question 8

What happens if architects & engineers don't have Employment Practices Liability (EPLI)?

Accepted Answer

Senior project architect alleges age discrimination after termination. Defense + settlement: $130K. EPLI pays.

Question 9

What is a common misconception about Directors & Officers (D&O) for Architects & Engineers?

Accepted Answer

Partner disputes are a leading source of D&O claims at A&E firms.

Question 10

What happens if architects & engineers don't have Directors & Officers (D&O)?

Accepted Answer

Departing partner sues remaining principals for buyout dispute — defense $90K. D&O pays.

Architects & Engineers Insurance Coverage Guide | RISKX