u/Hardcover_Insurance

I work mostly with design professionals on the insurance side. I see a lot of confusion around E&O, GL, COIs, contract requirements, and why premiums can be all over the place.

Insurance usually gets ignored until a client asks for something, a contract gets held up, or there’s a claim. Figured this might be helpful for anyone trying to understand the basics before it becomes urgent.

Happy to answer general questions if it’s useful.

I work mostly with engineering and AEC firms on the insurance side. I see a lot of confusion around E&O, GL, COIs, contract requirements, and why premiums can be all over the place.

Insurance usually gets ignored until a client asks for something, a contract gets held up, or there’s a claim. Figured this might be helpful for anyone trying to understand the basics before it becomes urgent. Happy to answer general questions if it’s useful.