Does Builders Risk Cover Architect Errors?
Usually not—the cited form excludes faulty design; professional liability may cover architect negligence, while resulting project damage depends on the builders risk wording.
Usually not. The cited ISO builders risk form excludes faulty design and specifications, so correcting plans or defective work is different from repairing separate property damage caused by the error.
Review the builders risk exclusion and any ensuing-loss wording alongside the architect’s professional liability policy. Identify whether the claim is for redesign, replacement of faulty work, or resulting physical damage, and check the professional policy’s project scope, retroactive date, and limits.
Coverage Guides Related to Builders Risk Insurance
Sources for Builders Risk Insurance Answers
- Small Business. National Association of Insurance Commissioners; FAQ: What’s general liability insurance?; What does general liability not cover?; What are other types of business liability insurance? Accessed 2026-09-25.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25.