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Oracle RMS Insurance

Architects & Engineers Insurance

Industry Insurance — Oracle RMS Insurance

Architects & Engineers Insurance

Professional liability and commercial insurance tailored for design professionals across Canada.

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Architects and engineers provide professional services where errors in design, specifications, or advice can result in costly construction defects, project delays, or structural failures. Professional liability (errors and omissions) insurance is the cornerstone of any design professional's insurance program. Oracle RMS works with architects, engineers, and design-build firms to structure coverage that addresses both their professional and commercial exposures.

Who needs this coverage?

Architects, structural engineers, civil engineers, mechanical and electrical engineers, landscape architects, interior designers, design-build contractors, and engineering consultants of all sizes.

Key coverages

  • Professional liability (E&O)
  • Commercial general liability
  • Cyber liability
  • Commercial property
  • Commercial auto
  • Directors & officers (for firms)
  • Pollution liability (environmental assessments)
  • Umbrella / excess liability

Frequently Asked Questions

Is professional liability required for architects in Canada?
Provincial architectural associations across Canada require licensed architects to carry professional liability insurance as a condition of membership. Engineers are similarly required by their provincial engineering associations to carry E&O coverage. Requirements vary by province.
What does professional liability cover for design professionals?
E&O insurance covers claims alleging that your design, specifications, drawings, or professional advice caused financial loss — including construction defects, cost overruns, project delays, and structural failures attributable to design errors.
Do design-build contractors need both CGL and professional liability?
Yes. Design-build contractors have both construction liability (covered by CGL) and design liability (covered by professional liability). Both policies are needed to address the full scope of their exposure.
What is a project-specific professional liability policy?
A project-specific policy covers a single project for its duration and a tail period after completion. It is used for large or high-risk projects where the project owner requires dedicated coverage, or where the project's risk profile differs significantly from the firm's general practice.
How long should I maintain professional liability coverage after a project is complete?
Claims against design professionals can arise years after project completion. Most E&O policies are claims-made, so you must maintain coverage (or purchase an extended reporting period endorsement) to be protected against future claims for past work.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.