Excess Liability/Umbrella Insurance for Architects
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Excess Liability/Umbrella
Insurance for Architects

Suppose your contract requires you to carry $2 million in general liability coverage, but your general liability insurance policy only covers you for $1 million. Is it going to cost you a fortune to add that extra million in coverage? Not at all!

By purchasing an umbrella insurance policy, also known as excess liability insurance, you can affordably add coverage to your general liability insurance policy, along with some of your other policies, including employer's liability and hired and non-owned auto insurance.

What You Need to Know

Regardless of whether your client requires you to carry high coverage limits, it's a good idea to assess your architecture business's risks and insure accordingly.

Let's say that one of your employees is visiting a construction site and accidentally triggers a chain of events that results in an employee of your client's company being injured. Your company is sued for $1.5 million, but your general liability coverage limit is just $1 million. If a court orders you to pay, an excess liability policy would cover the additional $500,000. Without it, you'd be responsible for that additional amount.

Not sure how much coverage you might need? Ask the architecture insurance experts at Business Insurance Now for a free, no-obligation risk assessment.

It's important to note, however, that umbrella liability insurance does not extend the coverage limits on an errors and omissions or professional liability policy. If you're concerned about whether you have enough professional liability coverage, the licensed agents of Business Insurance Now are happy to help you determine appropriate coverage limits for your architecture business.

Get a FREE excess liability insurance quote now!

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Excess Liability Tips

  • You might be surprised at how affordable it is to add umbrella insurance. Typically sold in increments of $1 million in coverage, umbrella insurance can be added to your underlying policies for just a few hundred dollars annually.
  • Does your contract require high coverage limits for general liability? Ask Business Insurance Now's architecture insurance experts for a quick contract review to ensure you have the appropriate amount of insurance.
  • Many architects choose to purchase their umbrella policies from the same insurance agency that handles their underlying policies. Using a single agency may make it easier to coordinate benefits if you need to make a claim.