Insurance Archives - Professional Underwriters

Why Design Professional Liability Insurance Matters More Tha…

May 11, 2026

For architects, engineers, designers, and technical project starts with a vision, a detailed plan, and a commitment to delivering exceptional professional services. But even the most experienced firms can face…

Claims Made Policy vs Occurrence Policy

Insurance

May 7, 2026

Claims-made policies (standard for architects and engineers) cover incidents reported while the policy is active, requiring continuous coverage and often “tail coverage” (extended reporting period, ERP) upon retirement or closure…

Succession Planning: A Critical Risk Management Issue for De…

Insurance

May 4, 2026

For many design professionals, succession planning is viewed primarily as a business or retirement consideration. From a professional liability and risk management standpoint, however, succession planning is a core component…

Commercial Flood Insurance

Insurance

April 28, 2026

The NFIP defines a flood as: “A general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or…

General Liability and Professional Liability

Architects & Engineers need both General Liability and…

Insurance, Risk Management

April 13, 2026

Architects and engineers need both professional liability and general liability because they protect against completely different types of risk—and relying on just one leaves major gaps. Professional Liability (Errors & Omissions) This covers…

Claims-Made vs. Occurrence Policies

Insurance

April 8, 2026

Understanding Claims-Made vs. Occurrence Policies: What Design Professionals Need to Know When it comes to liability insurance, one of the most important distinctions for design professionals is the difference between…

How to choose a professional liability insurance company for…

Insurance

April 2, 2026

How to choose a professional liability (PL) insurance company for my engineering or architecture firm, also known as Errors and Omissions (E&O)—requires evaluating a carrier’s industry-specific expertise, financial stability, and…

Construction Risk Report – Plaintiff Not Required To F…

Case Studies, Insurance, Newsletters, Risk Management

March 30, 2026

Plaintiff Healy Long & Jevin, Inc. (“Healy”), a construction subcontractor, filed a Complaint for breach of contract, unjust enrichment, negligent misrepresentation, and violation of the Pennsylvania Contractor and Subcontractor Payment…

Commercial Umbrella vs Commercial Excess Liability Policy

Insurance, Risk Management

March 9, 2026

Your insurance agent has just given two quotes to review. One is for a Commercial Umbrella and one is for an Excess Liability policy. What is the difference? A Commercial Umbrella…

What are good limits of liability on professional liability…

Insurance

February 26, 2026

High-enough professional liability (Errors & Omissions) limits for architects and engineers typically range from $1 million to $5 million+ per claim/aggregate, depending on project size and risk, with $2M–$5M becoming…

ConstructionRisk Report (February 2026)

Case Studies, Insurance, Risk Management

February 23, 2026

Inside this Issue A1 – State Law Requirements for Affidavits of Merit Don’t Apply to Federal Litigation A2 – Plaintiff not Required to File Mediation Request before Filing Suit Article 1 State…

Benefits of Flood Insurance

Insurance

February 16, 2026

According to the Federal Emergency Management Agency (FEMA), floods are the most common, and most costly, natural disaster. With weather events increasing in frequency and severity, more communities are experiencing…

Commercial
Insurance

Professional Liability

Business Owners Coverage

Workers Compensation

More Selections

Personal Insurance
(Michigan Only)

Homeowners

Automobile

Umbrella

Recreational Vehicles

Insurance

Why Design Professional Liability Insurance Matters More Tha…

Claims Made Policy vs Occurrence Policy

Succession Planning: A Critical Risk Management Issue for De…

Commercial Flood Insurance

Architects & Engineers need both General Liability and…

Claims-Made vs. Occurrence Policies

How to choose a professional liability insurance company for…

Construction Risk Report – Plaintiff Not Required To F…

Commercial Umbrella vs Commercial Excess Liability Policy

What are good limits of liability on professional liability…

ConstructionRisk Report (February 2026)

Benefits of Flood Insurance

Commercial Insurance

Professional Liability

Business Owners Coverage

Workers Compensation

More Selections

Personal Insurance (Michigan Only)

Homeowners

Automobile

Umbrella

Recreational Vehicles

Insurance

Commercial
Insurance

Personal Insurance
(Michigan Only)