Learn about business insurance requirements and the most common policies for architects in California.
Which insurance policies are required for architects in California?
If you have a commercial lease, your property manager may require you to purchase general liability insurance. It is one of the most common policies purchased by architects in California and can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
Your clients may require professional liability insurance in a contract. This policy provides financial protection in lawsuits claiming your work caused financial harm because it was late, erroneous, or incomplete.
State law in California requires every small business with employees to provide workers’ compensation insurance, which covers medical bills for work injuries. Business-owned vehicles must be covered by commercial auto insurance. Personal vehicles used for business purposes should have commercial coverage as well.
What are the most common policies for architects in California?
The most common policies for architects in California vary depending on revenue, client contracts, partnerships, and other factors.
General liability insurance
General liability insurance is the foundation of an architect’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
Business owner's policy (BOP)
Architects often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.
Professional liability insurance
Many clients require proof of professional liability insurance before entering into contracts for professional services. This policy, also called errors and omissions insurance or architect liability insurance, can help cover legal expenses if you’re sued for unsatisfactory performance or a work mistake.
Workers' compensation insurance
California law requires all employers to carry workers’ compensation coverage. Architects who work independently can choose whether or not to purchase workers' compensation. This policy can help pay for medical expenses and lost wages resulting from a work injury.
Commercial auto insurance
Commercial auto insurance covers vehicles owned by your architecture firm. If your vehicle is involved in an accident, this policy can cover medical bills and property damage. It also covers theft, weather damage, and vandalism.
What do architects in California pay for insurance?
According to an analysis of Insureon applications, the cost of architect insurance in California varies slightly from the national median. Architects in California may pay a little more for general liability insurance and workers' compensation than architects in other parts of the country.
Professional liability insurance costs California architects about $140 per month, versus the national median of about $145 a month. Architects in California can expect to pay $42 per month for general liability insurance, higher than the national median of $35 per month.
Save time and money with Insureon
Insureon’s industry-leading technology helps architects in California save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in California and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior claims
- Commercial lease insurance requirements
Apply for free architect insurance quotes today.