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SpinDistribute.com Article Directory

The following article was published in our article directory on February 1, 2010.
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A Quick Glance at Architects Insurance

Article Category: Legal

Author Name: Robert McDonough

The job of an architect mostly involves planning and building designs. It is one of the most prestigious professions yet it is also as risky as engineering and construction. Architects are highly skilled. They handle projects from the basic office buildings to skyscrapers. Being an architect definitely comes with a lot of responsibility. The smallest mistakes, omission, and oversight can cause the biggest loss and damages. It is therefore the best decision for professionals in this line of work to carry professional liability architects insurance.

An architect can be sure that he and his firm is better protected if he carries a liability insurance policy. For instance, if he or any of his partners in the firm unintentionally commit a mistake in design or planning, insurance covers claims of negligence and malpractice lodged by aggrieving clients. Even if the claims are proven to be unfounded , architects insurance still come in handy in covering legal fees paid during a court case. It goes without saying that insurance gives professional architects peace of mind and assurance that they will not suffer huge financial losses.

Architects and architectural firms must therefore avail liability insurance . Several brokerage and insurance firms make available insurance policies to suit the needs of an architect or his company. Architect liability insurance may be availed as an exclusive package or may come as part of more general insurance packages. It is up to the architect and the company to decide which works for them. However, going to an insurer that deals specifically with architect liability insurance is most recommended. They are more experienced in the architectural business and are most of the time open to negotiations on premium prices of architects insurance.

Before you opt for any policy , be sure to know everything you need to known about the different kinds of insurance policies available to architects and how they differ from each other. With proper understanding, you must also survey different insurance companies to find out which one can make the best offer and wider coverage.

Aside from liability insurance, architectural firms can also take a look at other types of insurance like workers' compensation insurance and general liability insurance. General liability insurance is commonly required by clients who want to minimize risks of architects or designers causing damage or injuries while visiting their workplace or job site. General liability insurance is relatively less expensive than other architects insurance policies.

On the other hand, workers' compensation insurance provide coverage on medical and legal bills, as well as subsequent compensation of employees who may have sustained injuries in their line of work. It protects the employer financially so even if you have only one staff member, it is a good idea to get a workers' compensation insurance policy. There are some states that require this kind of architects insurance while there are those that do not. Even if your state government does not impose a strict requirement, you may still have to get a policy in case you work with clients who operate in a state where workers' compensation insurance is required.

Keywords: engineers insurance, geotechnical engineers insurance, soils engineers insurance, structural engineers insurance, civil engineers insurance, architects insurance, professional liability insurance

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