The Common Construction Liabilities All Architects Should Be Aware Of

If you’re an architect by profession, it’s important to be aware of some of the most common liabilities you may face throughout the construction process. Although architects liability can vary widely by project and by client, there are a few frequent liabilities that may crop up, from contractual issues to structural defects and more. Here are the most pressing problems you should watch out for in your work.

Construction Defects and Failure To Fulfill Guaranteed Services

Construction-related issues or failure to meet key promises are two issues that can lead to liability problems for many architects. Whatever type of construction you’re working on, be sure to avoid:

  • Unfulfilled services
  • Failure to meet spoken or written guarantees, including guaranteed timelines to construction completion
  • Failure to vet lower-level subcontractors
  • Bodily injury or property damage on the worksite resulting from the architect’s professional negligence

Definitional Issues and Contractual Specificities

In some instances, contractual problems and unclear definitions can lead to legal problems. Always watch out for:

  • Vague wording in the construction contract
  • Disagreements relating to the definitions of key terms
  • Legal problems involving the contract signatories
  • Other contractual disputes

As a professional architect, understanding the extent of architects liability can help you prevent lawsuits and keep your clients satisfied. Throughout each project, make sure to fulfill all guaranteed services, avoid construction defects, clearly define terms, and establish a detailed contract.

Covering Your Construction Business Insurance Needs

No matter the size of your business, as the owner of a construction company you’re aware of the hazards associated with your operations. Not only do crew members work with potentially dangerous equipment, but they also perform in work zones that require specialized equipment and training for safety, including fall protection and gear for working in confined spaces among others. In addition to the various insurance coverage that most businesses require, your clients require you to have construction business insurance that covers claims as a result of the projects you deliver.

What Coverages Do I Need?

Contractors and construction companies need to consider standard business policies as well as protections that relate to their unique work environments, deliverables and business contracts. Consider every aspect of your operations when weighing construction business coverages:

  • General Liability – Third-party injuries or damages at the office
  • Professional Liability – Claims for negligence or from work product/deliverables
  • Property Insurance – Losses and damages to property and other assets
  • Workers’ Compensation – Employee injury protection
  • Employment Practices – Protection from employee lawsuits
  • Commercial Auto – Coverage for work-related use of vehicles

Your company may need other types of coverage for equipment breakdown, risk for facilities under construction and pollution liability, among others.

Is There Anything Else?

It’s important to work with an insurance provider that can provide all the coverages needed. Damages from an uncovered loss can take your entire company out. Umbrella policies and business income policies are also recommended just to make sure you’ve checked all the boxes.