Liability insurance for Construction & Trades

Contractual requirements, additional insured, and certificates for every job.

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These guides connect the coverage decisions below; use the questions to drill into a specific rule.

Industry guide · 2026 edition

Architect Insurance: The 2026 Liability Playbook

Architects meet commercial insurance through the people who need their signature — the project owner whose design agreement names E&O limits, the general contractor who demands a certificate before site access, the state board that requires a written contract. This playbook maps the five exposures that actually generate architect claims to the liability line each one belongs to, who can assert it, and what the contract will demand before you stamp the first sheet.

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Questions by coverage line

Commercial General Liability

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Umbrella & Excess Liability

All Umbrella & Excess questions →

Coverage mechanics for Construction & Trades

Policy mechanics, exclusions, certificates, and claims questions live on our sister publication: Construction & Trades on isthiscovered.org.