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
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?

Grab-n-Go Information

Free eBook
Built to Last: A Business Insurance Guide for Architects, Engineers, and Design Professionals
Browse eBook
Sample certificates
See a sample Certificate of Liability Insurance, the proof of coverage you need for most contracts.
View Sample
Sample Quotes & Cost Estimates
See what insurance really costs: actual quotes by policy & specialty.
Get Estimates
Ask A Question
Submit your questions about small business insurance and get answers from our experts.
Read Answers