Chapter 3: Special Insurance Considerations for Freelance Architects, Engineers, and Designers
Part 1: Common Limitations of Insurance Policies for Architects and Engineers
Architects' Professional Liability: Coverage for Pollution, Mold / Fungus, Bacteria, and Other Microorganisms
Many standard architects' Professional Liability policies explicitly exclude coverage for claims arising from pollution, mold and fungus, bacteria, and other microorganisms. In the article "Architects — Property and Liability Coverage Issues," the AIA recommends that all architects purchase this additional coverage (if it is not already included) to their Professional Liability policies and have it confirmed in writing. The lack of this protection, the AIA warns, could "create a serious gap in coverage."
Say, for example, a client sues you for your building design, alleging that it causes unnecessary mold problems. If you have an endorsement that covers mold issues, your legal expenses will be covered (up to the limits of your E & O policy).
NEXT: Part 2: Should Your Client Be an Additional Insured?