At one point or another, an architect or engineer will need to prove they have insurance coverage — a Certificate of Liability Insurance does just that.
When do you need to use an Insurance Certificate? Here are some common scenarios when a business owner will have to use a Certificate of Liability Insurance:
- Before an architect leases an office, her landlord might require proof of insurance (usually for General Liability).
- Before signing an important client contract, an engineer might need to show that he has engineering Errors and Omissions Insurance.
- A draftsman may need to show an E&O certificate before being hired as a subcontractor for an engineering firm.
- After hiring an employee, an engineering business owner may need to show that the business has the state-required levels of Workers' Compensation Insurance.
Typically, these requirements are listed in your contracts, leases, and service agreements.
Sample Insurance Certificates for Engineers and Architects
You've heard a lot about insurance certificates, but you might not know what they look like. An insurance certificate is a one- or two-page document that lists all the major details of your policy, what it covers, and how long it's active. For an example, see our sample insurance certificates for architecture and engineering businesses.
How to Get an Insurance Certificate
Once you have insurance, getting a Certificate of Liability Insurance should be easy. At insureon, we know that our customers often need an insurance cert immediately so they can sign a contract. Our customers are able to download a certificate whenever they need it, giving them 24/7 access to their proof of insurance.
If you'd like to learn more about your liability insurance, talk with one of our architecture and engineering insurance experts. Or fill out an online insurance application for a free quote on small business insurance.