Discussion: View Thread

1.  Professional Liability Insurance

Posted 10 days ago
Does anyone know of a company that provides Professional
Liability Insurance to Architects on a moonlight basis?

I'm finding that most companies want you to provide
this on a full time basis.

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David Robertson AIA
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2.  RE: Professional Liability Insurance

Posted 9 days ago
David,

Insurance is typically a function of your gross billings.  If you "moonlight" as I did for several years prior to full self-employment, the insurance premiums seemed reasonable +/-$1500-2K/year through Victor O. Schinerer/CNA with a 3-year lock which insures lots of architects. I know of no "part-time" insurance since liability never takes a hiatus, however small or infrequent your projects may be!

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John Alvarez AIA
Partner
Landmark Consulting, LLC
Albany NY
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3.  RE: Professional Liability Insurance

Posted 6 days ago
Years ago when I was working for myself out of my house, I found out that my home and auto insurance agent had the availability to hook me up with a very affordable liability coverage.  It was about half the cost of other policies I could find and had slightly less protection.  You could check with your agent to see if they have anything similar.

photo
Brad McKenzie, AIA
Assistant Director of Business Operations
Project Architect








4.  RE: Professional Liability Insurance

Posted 6 days ago
David,

I concur with the other statements the fees are very manageable as noted by others.   I have Ames & Gough as my agent with CNA provides the policy.   I plan on carrying for a long term. Worth getting especially at that rate!!!


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Michael Wijdoogen AIA
Architect
Herndon VA
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5.  RE: Professional Liability Insurance

Posted 5 days ago
To the above I would add the following: Make sure everyone involved understands the 'moonlighting' situation: your client, your employer and your insurance carrier.  Even with your own coverage, your work outside the office carries potential risk to your employer.  Make sure you have a formal AIA owner/architect agreement that makes it clear to your client that your employer is not connected to their project in anyway.
It sounds like you are approaching this professionally, good luck!

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Scott Rappe AIA, LEED AP
Kuklinski + Rappe Architects
Chicago IL
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6.  RE: Professional Liability Insurance

Posted 5 days ago
Scott, you mentioned a contract between Owner/Architect for moonlighting projects.  Do you have a specific one you were referring too or is this something "homemade"?

I am considering getting some professional liability insurance for my side work but just starting to seeing what's out there.

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Michael Hardy AIA
Associate Principal
Roark Perkins Perry Yelvington
Little Rock AR
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7.  RE: Professional Liability Insurance

Posted 4 days ago
Sorry, I didn't mean to imply that there is a special agreement for moonlighting project.  I would use the AIA B105 Standard Form of Agreement between Owner and Architect, listing yourself as architect, legally organized as a sole proprietor.  You need your client to acknowledge that they are hiring you alone, and not the firm you work for.

You may also want to state in Article 7 Other Provisions, something to the effect that your client understands that you are performing the work on your own premises, with your own equipment and software and that you are available for calls and meetings only outside of your normal work hours.  You want to make it clear that they will not be benefiting in any way from the resources of your employer.

You should also address expectations about the project schedule, given that you will have limited time to work on their project.  Unless you are ready to strike off on your own, you do not want to be torn between serving two masters.

Do your best to include a limitation of liability clause that limits your liability to a reasonable amount and no more than your insurance coverage.

Finally, be upfront with your employer about what you are doing, most (including myself) do not allow moonlighting, and would instead encourage the employee to bring the project into the office.

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Scott Rappe AIA, LEED AP
Kuklinski + Rappe Architects
Chicago IL
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8.  RE: Professional Liability Insurance

Posted 3 days ago

I would get the insurance if I were you. The small projects that come with the territory of moonlighting seem to have less experienced clients that like to make non-issues into big problems. They also tend to turn down CA, which adds to your liability risk.

 

Daniel L Edgell AIA, NCARB

PRESIDENT

 

SANDBAR ARCHITECTURE

1162 Rolling Oaks Ave

Tarpon Springs, FL 34689

727 308 1773

 






9.  RE: Professional Liability Insurance

Posted 3 days ago
Curious why an associate principal would do side projects?

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Kenneth Crutcher, RA, AIA, NCARB
crutcherk@crutcherstudio.com
313-477-1741

Crutcher Studio
Architecture Design
P.O. Box 22 Farmington, MI 48332
www.crutcherstudio.com
Office: 248-522-6230
Fax: 313-731-0125



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10.  RE: Professional Liability Insurance

Posted 2 days ago
It's either a job he thinks isn't a fit for the office. Or he's got one foot out the door.