SURVEYORS
Surveyors
Despite being grouped into the design professionals category by insurers, surveyors have very different needs than architects and engineers and face exposures different from other firms within this broader category. More frequent use of vehicles requires robust commercial auto policies and more extensive umbrella policies, even if not contractually required. General Liability / Business owner’s policies, often set up and ignored, must be actively managed to reflect current schedules of surveying equipment and its values and structured correctly using coverage forms intended to insure property away from the insured’s offices.
Not only does a surveyor’s policy need to insure their tools and equipment properly, but it should also include broad coverage for business interruption and loss of income resulting from damage to that equipment – significant coverage surveyors often fail to pursue claims under. These things are equally-important to predominantly architectural or engineering firms with surveyors on staff, whose unique needs are often unknown to or overlooked by their insurance agents.
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