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Professional Liability for Architects, Engineers and Surveyors in Duluth and Alpharetta


Mistakes Happen.

Mistakes are part of life for everyone including Professionals. Architects, Engineers, and Surveyors are so familiar with mistakes that they call them "blunders". In a profession where accuracy and precision are important, even the smallest mistake can be costly. Dealing with a problem is never a good thing. Dealing with a problem without professional liability insurance is always a bad thing. Here are reasons why contracting with insured professional makes good business sense:

  1. Mistakes Can Be Costly to Fix 

    Alignment and elevation errors often involve the tearing out and rebuild of in-place construction. Often the most feasible, though expensive, solution requires purchasing additional land from an adjacent property owner.
  2. Time is Money

    When a surveyor makes a mistake there is often little dispute over liability. Insured professionals look to their professional liability insurer to provide the funds to fix the problem. Uninsured surveyors may simply not have the financial stability to weather the storm putting critical real estate and construction project timelines in jeopardy.
  3. Addressing Risk is Good Business

    Successful businesses understand the important role that insurance plays in managing risk. This includes the vicarious liability they assume when they contract for professional services. It doesn't make sense to assume the liability of an uninsured surveyor.
  4. Insured Architects, Engineers, and Surveyors Understand

    Business owners who carry professional liability insurance understand mistakes are inherent in any business endeavor. They understand that professional liability insurance not only protects them but also their clients when the things go wrong.
  5. Fees are Comparable

    While the fees charged by insured professionals may be more, they certainly aren't so much higher that they should be the single determining factor in the selection process. Is saving a few dollars worth the risk? 

Business Owners that carry professional liability insurance are good for everyone.

When it comes to managing risk and minimizing liability, it's always good to know that you are working with someone that will be there if things go sideways. Mistakes happen. Professionals understand they are not immune to making mistakes. Perhaps uninsured professionals don't make mistakes?

What Does Professional Liability Cover?

While it’s important for your business to have general liability coverage for property damage and bodily injury, Talbert Insurance Services recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a reprentative with Talbert Insurance Services today to prevent mistakes and errors from becoming major losses for your business.

Click the Application button below to see our Application for Architects, Engineers and Surveyors. Pleae complete form and send to ltalbert@talbertservices.com.