Insurance Resources for Design Professionals
Written and reviewed by Michael LaBarbera, licensed insurance agent
These resources explain certificate requests, insurance purchasing, office coverage, higher limits and payment-fraud protection for design firms. Use them alongside the existing professional liability guides and interactive tools to prepare a specific, informed insurance review.
Practical coverage comparisons
6 resources
Certificate of Insurance vs Additional Insured for Design Firms
A certificate documents insurance; an additional insured endorsement determines another party’s protection.
Read resourceLive Certificate vs Static Certificate for Design Projects
Compare current, retrievable evidence with a document saved at a particular point in time.
Read resourceIndependent Agency vs Buying Direct for Design Firm Insurance
Compare the purchasing and service process, without ranking insurers or promising a particular outcome.
Read resourceBusiness Owner’s Policy vs General Liability for Design Offices
Use the office’s property and interruption exposures to compare a BOP with standalone general liability.
Read resourceUmbrella vs Higher Underlying Limits for Design Firms
Check the coverage line, underlying schedule and attachment point before treating higher limits as interchangeable.
Read resourceCyber vs Crime Coverage for Design Firm Payment Fraud
Distinguish data and network loss from theft of money before assuming one policy covers a fraudulent payment.
Read resource
Carrier policy-feature comparisons
Verified features from each carrier's own published material. Carriers are quoted through our agency; we do not rank them.
Carrier profiles
Each carrier's sourced US policy features on its own page.
The Hartford vs Hiscox for design professionals
Side-by-side verified policy features for The Hartford and Hiscox, quoted through our agency.
Great American vs GUARD for design professionals
Side-by-side verified policy features for Great American and GUARD, quoted through our agency.
Architects and Engineers Insurance Companies
Verified carrier-feature comparison for architects and engineers.
The Hartford vs Travelers for design professionals
Side-by-side verified policy features for The Hartford and Travelers, quoted through our agency.
Hanover vs Travelers for design professionals
Side-by-side verified policy features for Hanover and Travelers, quoted through our agency.
Continue your review
Frequently asked questions
Do these resources replace a policy review?
No. The issued policy, endorsements and facts control; these resources help prepare questions for an agent.
Where can I find the other design professional guides?
The guide library covers professional liability, contracts, continuity and practice changes.
Are carrier comparisons rankings?
No. The policy-feature comparison displays sourced, verified features and leaves unverified values as Ask us.
Can I prepare a request without submitting personal information?
The checklist, comparison worksheet and educational tools can be used without submitting an inquiry.