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Architects design and coordinate the construction or renovation of buildings and structures, including bridges, dams and complexes. They provide their services for individuals, businesses and government agencies and manage projects throughout entire construction processes. Some architects specialize in landscape design and planning.

General Liability Insurance for Architects and Architecture Services – Since customers and public do not visit the offices of architects often, premises liability risks are low. However, losses can occur if architects visit other sites, including building sites and clients’ offices, and behave inappropriately.

Professional Liability Insurance for Architects and Architecture Services – Professional liability lawsuits can occur when architects make mistakes in their designs and clients experience loss as a result. Types of projects that architects design vary, and the risk level may be higher according to the complexity of projects.

Workers’ Compensation Insurance for Architects and Architecture Services – Workers may be exposed to a variety of conditions where injuries could occur, including office environments and building sites. Off-site locations could be very hazardous for architects and may include construction site perils. Employees should be required to wear hard hats and other appropriate protective gear when visiting construction sites.

Business Auto Insurance for Architects and Architecture Services – There is a risk of automobile accidents only if architects and other employees of architecture services drive automobiles for business purposes. Automobiles may be company-owned, employee-owned or rented. Increased business auto risk factors can be triggered by youthful operators under age 25, heavy city traffic conditions, trip radius over 50 miles, frequent travel over roads that need to be updated, travel over unfamiliar roads, cell phone usage, and night time travel.

Property Insurance for Architects and Architecture Services – Architects risk losing a variety of valuable materials, including drawings and data stores in computers. Property may be lost or damaged in a fire, which may occur if employees smoke at work. The principal fire loads for architecture businesses include blue print paper, paper files, and furniture.

Crime Insurance for Architects and Architecture Services – The primary crime risk for architects and architecture services is workers who steal money or supplies from their employer. Checks received should be immediately stamped “for deposit only.” Another effective practice is to require internal audits to be conducted on a frequent and irregular basis.