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In design and engineering, a small error can carry a big financial consequence, which is why clients and contracts almost always expect you to be insured. If you practice for clients in Colorado, professional liability is your priority.
What professional liability (E&O) covers
E&O covers you when a client says your professional work caused a financial loss, even when you followed good practice:
- A design or calculation is blamed for a costly rework or delay.
- A client says a specification did not meet requirements.
- A project outcome falls short of what the client expected, and they seek damages.
General liability will not cover these, because they are about your professional judgment. E&O handles legal defense and covered claims, which matters given how large design and engineering claims can be.
What about general liability?
General liability covers injury or property damage — a visitor hurt at your office, or damage during a site visit. Many contracts require it alongside E&O, so design firms often carry both. Bundling can lower your total.
Why Hiscox
Hiscox is built for small, service-based businesses, with an A (Excellent) rating from AM Best and online quotes in minutes. Available in Colorado (49 states plus DC, not Alaska).
Frequently asked questions
Do architects and engineers in Colorado need professional liability insurance?
Almost always. Clients and contracts routinely require E&O, because design and engineering errors can carry large financial consequences.
Does general liability cover a design error?
No. A design or calculation error is a professional liability claim, which is what E&O is for.
Do I need both E&O and general liability?
Many design and engineering contracts require both, so firms commonly carry the two together and bundle to save.
Disclaimer: Informational only, not insurance advice or a substitute for a licensed agent. Coverage descriptions are summaries; policy terms govern. Availability and pricing vary by state and business, and prices are illustrative. Hiscox is available in 49 states and DC, not Alaska.