Built to Last
A Business Insurance Guide for Architects, Engineers, and Design Professionals

Chapter 3: Special Insurance Considerations for Freelance Architects, Engineers, and Designers
Part 1: Common Limitations of Insurance Policies for Architects and Engineers
Limited Insured Endorsements for Architects, Engineers, and Design Professionals

If you are a licensed professional teaming up with a nonprofessional who isn't required to carry Professional Liability Insurance, you may need to secure a Limited Insured endorsement.

Let's say you are a landscape architect pairing with an alternate-energy expert to provide services marketed at environmentally conscious clients. In this type of collaborative structure, you could be held legally liable for the unlicensed expert's errors. To make matters worse, the expert's services aren't covered by your E&O policy.

To address this problem, you can add a Limited Insured endorsement (sometimes called a "consultant endorsement") to your Professional Liability Insurance. When you add the nonprofessional as a Limited Insured to your policy, it can cover mistakes and errors they might make on the job.

A Limited Insured endorsement can expand your standard E&O policy to cover someone else's services that weren't originally covered by your policy.

NEXT: Architects' Professional Liability: Coverage for Pollution, Mold / Fungus, Bacteria, and Other Microorganisms

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