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Building Design Business Insurance
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Recommended business insurance policies for building designers
Building design projects involve multiple stakeholders and dependencies, resulting in unique risks. Business insurance provides the financial protection you need to withstand an unexpected lawsuit, fire, or work injury.
General liability insurance
This policy covers common building designer risks, including customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
Business owner's policy
A BOP bundles commercial property insurance and general liability insurance under one plan. It’s often the most cost-effective commercial insurance policy for building designers.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Professional liability insurance
This policy, sometimes called errors and omissions insurance (E&O), is important for building designers. It can cover legal costs related to your work performance.
BEST FOR
- Errors in building design
- Accusations of negligence
- Failure to complete a project on time
Workers’ compensation insurance
Workers’ comp is required in almost every state for building design businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Looking for different coverage? See more policies.
How much does insurance cost for building designers?
Several factors will have an impact on insurance costs, including:
- Building design services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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