Liability Insurance

[StruKturdg]

Where does one go to get liability insurance. I was asked by an architect if I had liability insurance.

 

[JAE]

There are firms out there that provide professional liability insurance.

Try DPIC:

http://www.xldp.com/

or CSDZ:

http://www.csdz.com/architect_and_engineer_liability_overview.html

Do a further search on the internet for others.

 

[archeng59]

CNA (

http://www.cna.com/cnaeportal/eport...oid=34576651c52fe010VgnVCM1000008f66130aRCRD)

RA&MCO (ramco-ins.com)

Zurich

 

[RockEngineer]

If you are doing part time work or not fully covered by your company I have found that ASCE liability insurance can't be beat for the price. I pay the ASCE membership just to get the liability insurance.

http://www.personal-plans.com/product/asceinsurance/?

 

[StruKturdg]

This is for my company, that I just started.

 

[archeng59]

when I started my firm, I talked to some of my clients and found out what insurance agents they were using for errors and omissions insurance. I picked one from a list of about 3 insurance agencies. My agent shops premiums among several insurance companies to get the best deal. Over the last 7 years I've had insurance with DPIC, Zurich, RA&MCO, and Beazley.

Sometimes, when you are starting out, you can lock your premiums for the first 3 years to avoid the customary year-to-year premium increase. The difference in premiums from the 3rd to the 4th year might give you sticker shock. My premiums jumped from about $3000 per year for the first 3 years to about $12000 per year at year 4. Luckily, my business was good so I could afford the rates. Subsequent yearly increases were not that bad. At year 7, I'm paying just under $15000. My agent shops me around each year and was able to get my rates down from just under $19000 last year to the $15000 this year.

 

[StruKturdg]

what are the contact numbers for these places?
Thank You