Unfortunately, many architects don't choose to purchase E&O insurance until they've had a brush with disaster - the threat of someone filing a claim against them that falls under "professional liability."

E&O insurance ("errors and omissions") protects an architect or an an architect company from claims that state negligent acts, errors, and/or omissions which result in an unsatisfactory job to their client. This type of coverage isn't included in a regular liability policy. The claims can be many different things. If a client believes that there was a measuring mistake, or if they wanted a 16^th century archway and you gave them an 18^th century one, they can file a claim against the services. If they believe that you or your employees rushed through a job and it doesn't feel sturdy, they can file a claim. It can be nearly anything along those lines.

Many architects don't invest into E&O coverage because they're convinced that the risk of claims are lower because the project is small, or because their clients haven't required it. Some architects don't think that they have much to lose. However, this is America and there is no job too small to result in an upset client. One project, no matter its size, could wipe out your architect business if the client is willing to fight it enough.

E&O coverage is one of the wisest coverages you, as a professional, can invest into. For more information on errors and omissions insurance, contact us today. We're Insurance Management Associates, an independent insurance agency based in Woodstock, Georgia.