Claims-Made vs. Occurrence-Based Insurance

Recently we have been seeing an increase in insurance requirements for design professionals that include professional liability insurance written on a per-occurrence basis, rather than on a claims-made basis. In the past, we frequently assumed this was an error on the part of the insured’s client—confusing occurrence-based general liability and automobile coverages with claims-made professional... Continue Reading →

Understanding Contractually Assumed Obligations

Professional services agreements are an important risk management tool. They outline the responsibilities of both parties to the agreement and will include, at a minimum, what services the design professional will provide and what compensation, and when, the other party will pay in exchange. So for all projects large or small, and for all types... Continue Reading →

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