Architect Insurance Yuba City Ca

Architect Insurance Coverages Options

Premises liability exposure

The importance of premises liability exposure: The responsibility of maintaining property falls upon those who occupy it. Premises liability exposure is limited due to lack of public access at the office location. If clients visit the premises, they must be confined to designated areas. To prevent slips, trips, or falls, all areas accessible to clients must be well maintained with floor covering in good condition. The number of exits must be sufficient, and be well marked, with backup lighting in case of power failure. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls.

Professional liability exposure

If you’re considering a career in architecture, engineering, construction management, landscaping or any other building trade, it’s important to understand how professional liability exposure works.

Professional liability exposure varies depending on the type of job accepted. For example, bridge design will require different types of knowledge than designing a one-family dwelling; the loss potential should a bridge collapse could be catastrophic due to the possibility of bodily injury and property damage.

Workers compensation exposure 

Office workers should take care to use proper ergonomic desk setups to avoid injury.
Workers compensation exposure will vary based on the type of job—since work at the office is done on computers, potential injuries include eyestrain, neck strain, carpal tunnel syndrome, and similar cumulative trauma injuries that can be addressed through ergonomically designed workstations. Architects can be injured off sites by slips and falls, falling objects, falls from heights, electrical panels, and wiring, construction machinery, flying debris, noise, and automobile or aviation accidents. Protective equipment may be required.

Property exposure 

What do you need to consider when buying commercial property? Property exposure generally limited to that of an office, although there may be some incidental storage or an area for meetings.
Ignition sources include electrical wiring, heating and air conditioning systems, wear, and overheating of equipment. Computers and other electronic equipment may be targets for theft.

Crime exposure

Crime exposure is largely due to employee dishonesty. Hazards increase without proper background checks, along with monitoring procedures and securing of all records to prevent unauthorized access. All job duties such as ordering, billing and disbursing should be separate and reconciled on a regular basis. Audits should be performed at least annually.

Inland marine exposures

Did you know that Inland Marine exposures include accounts receivable if the firm offers credit, computers, special floaters for equipment taken to job sites, and valuable papers and records for clients’ information, completed architectural designs, and drawings in progress?
The computers are extremely sophisticated and specific for each job and may have custom programming. Power failure and power surges are potentially severe hazards. All software and data should be on backup disks and stored off site. Paper drawings should be stored in fireproof cabinets.

Business auto exposure

Commercial auto insurance exposure is generally limited to hired and non-owned vehicles along with rental exposure. If vehicles are provided to employees, there should be written procedures in place regarding personal use by employees and their family members. All drivers must have appropriate licenses and acceptable MVRs. Vehicles must be maintained and records kept in a central location.

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