Professional Liability Limits Guide
Written and reviewed by Michael LaBarbera, licensed insurance agent
Professional liability limits are structured per claim and in the aggregate, and a contract may ask for dedicated project limits. Firm revenue and project value alone cannot choose a suitable limit. Use this guide to organize the contract, client type and underwriting information for an agent’s review.
Structures to review, not a recommended limit
Bring the contract’s per-claim and aggregate requirements; without them, a numerical limit cannot be selected from these inputs. Review whether the owner shares your practice limits or asks for limits dedicated to the project.
For architect firms in the Under $250K billings band, bring project scope, largest construction value (not supplied), services, claims history, and the complete contract. These inputs do not determine coverage or an underwriting decision.
Frequently asked questions
Does a tool result confirm coverage?
No. The policy wording, endorsements, insured services and specific facts control coverage. A licensed agent reviews each insurance request.
Are results a quote?
No. Tools provide general education and organize information for review. They do not offer coverage or show premiums.
Can I save or submit my information?
Use the quote form to store a request securely. Tool selections are not automatically sent to an agent.
What should I do with an uncertain answer?
Bring the actual contract, declarations and relevant project facts to the agent. Mark uncertain non-critical application answers for clarification.
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