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Insurance for Building Design, Architects & Engineers | Insureon Small Business Insurance Browse by Insurance Policy General liability insurance Workers’ compensation insurance Professional liability insurance Errors & omissions insurance Business owner’s policy Commercial auto insurance Cyber insurance Commercial property insurance Commercial umbrella insurance Product liability insurance Tools & equipment insurance View all business insurance policies Industries We Insure BROWSE BY INDUSTRY Building design Cannabis Cleaning services Construction Consulting Finance & accounting Food & beverage Healthcare professionals IT / Technology Landscaping Media & advertising Personal care Photo & video Real estate Retail See more industries we insure Business Resources Learn more about Business Insurance Types of business insurance Business insurance costs Insurance questions and answers Insurance terms State requirements Best small business insurance companies Certificate of insurance Video library Small Business Blog Starting a business Growing a business Business insurance tips See all posts Need a policy recommendation? Answer 3 questions.Learn more about Insureon Contact us Customer reviews Our insurance partners How Insureon works Our story Editorial process Careers Log in Get Quotes Building Design Professional Insurance What kind of work do you do? Get Quotes Or call us at (800) 688-1984 Choose from the nation’s best insurance providers Small business insurance Industries Building design Top building design professionals we insure Insureon has helped small businesses secure over 1.5 million policies. Back Next Engineers Architects Interior designers Draftsmen Control system integrators Building inspectors Land surveyors Landscape architects Construction project managers Don’t see your profession? Don’t worry. We insure most businesses. Recommended business insurance policies for building design professionals Building design projects involve multiple stakeholders and dependencies, resulting in unique risks. Insurance provides the protection you need to withstand financial loss from an unexpected lawsuit, fire, or work injury. General liability insurance This policy covers common building designer risks, including customer property damage and personal injuries. Bundle with property insurance for savings in a business owner’s policy. BEST FOR Slip-and-fall accidents Damaged customer property Libel or slander lawsuits Get Quotes Learn More Business owner’s policy A BOP bundles commercial property insurance and general liability insurance under one plan. It’s often the most cost-effective commercial insurance policy for small business owners. BEST FOR Customer injuries Damaged customer property Damaged business property Get Quotes Learn More Professional liability insurance This policy, sometimes called errors and omissions insurance (E&O), is important for building design professionals. It can cover legal costs related to your work performance. BEST FOR Errors in building design Accusations of negligence Failure to complete a project on time Get Quotes Learn More Workers’ compensation insurance Workers’ comp is required in almost every state for building design professionals with employees. It also protects sole proprietors from work-related injury costs that health insurance might deny. BEST FOR Employee medical expenses Partial missed wages Lawsuits over employee injuries Get Quotes Learn More Cyber insurance This policy, also called cyber liability, helps building design professionals recover from a data breach or cyberattack. It’s strongly recommended for any small business that handles sensitive information. BEST FOR Client notification expenses Fraud monitoring services Data breach investigations Get Quotes Learn More Commercial auto insurance Commercial auto insurance can help cover the cost of property damage and injuries in an accident involving your business vehicle. Each state has its own requirements for auto liability insurance. BEST FOR Property damage caused by your vehicle Bodily injuries from an auto accident Vehicle theft and vandalism Get Quotes Learn More Looking for different coverage? See more policies. How much does insurance cost for building design professionals? Several factors will have an impact on insurance costs, including: Professional services offered Your business equipment and property Business revenue Location Years of experience How many employees you have View Costs How do I get building design insurance? It’s easy to find insurance for building design businesses. Whether you’re a construction project manager or land surveyor , you’ll need to have some basic information about your business available. Our application will ask you for your annual revenue and payroll, among other details. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps: Complete a free online application Compare free quotes and choose a policy Pay for your policy and download a certificate for proof of insurance Insureon’s licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for your building design company, whether you’re a sole proprietor or run a small firm that employs several subcontractors . Verified business insurance reviews Hear from customers like you who purchased small business insurance. Common questions about building design business insurance Below are answers for frequently asked questions about design-build risks and insurance coverage. Do architects and engineers need business insurance to get licensed? In most cases, architects and engineers are not required to have insurance to obtain their license. However, state laws and client contracts may stipulate specific insurance requirements to obtain jobs and work. Additionally, licensing requirements will vary by state as well. Licensing requirements for architects often include: Obtaining a Bachelor of Architecture degree from an accredited school Completing a three-year internship through the Architectural Experience Program (AXP) or 5,600 hours with an architecture firm Passing the Architect Registration Examination (ARE) Licensing requirements for engineers often include: Obtaining a Bachelor of Engineering degree from an accredited school Passing the Fundamentals of Engineering (FE) and Principles and Practice of Engineering (PE) exams Completing four years of supervised engineering experience As a building design professional, do I need general liability and professional liability? There are two main types of business insurance building design professionals should consider carrying as part of their risk management plan: general liability and professional liability. General liability insurance is often the first policy architects and engineers consider, and it may be required to sign a commercial lease. General liability coverage can protect your business from accidental damage to a client’s property or accusations of breaking machinery on a job site. Professional liability insurance , also known as errors and omissions insurance, protects your business if a mistake in your building plans causes a financial loss to your client or if you’re accused of not doing your job properly . This coverage will help pay for the legal costs to defend your business. Additionally, if your business role is both the acting project manager and construction manager, carrying both general liability and professional liability policies will greatly protect you from many risks, including any vicarious liability you might face. Insureon’s certified insurance agents can work with you to determine which policies will best cover all parts of your role. What other insurance policies should building design businesses carry? To fully protect your building design firm from all risks and liabilities, you may need additional types of insurance. This includes: License and permit bonds guarantee your business will complete a...