Draftsman Insurance

Tailored Protection for Your Draftsman Business

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Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Draftsman Insurance That’s Made Just for You

You have an eye for layouts, structure, and design that make sense for your clients, whether that’s drafting legal documents, building plans for architects, and more. However, you may not be so well-versed in small business insurance.

At Simply Business, we can create insurance for draftsmen that’s as unique as their business. This coverage can help protect you from common risks, so you can continue delivering great work.

What Insurance Does a Draftsman Need?

Being a draftsman, your profession is at risk every day for making mistakes, especially regarding professional liability issues. And if you meet with a client on your property or theirs, that increases your risk for accidents and injuries to occur. Additionally, if an employee gets hurt on the job, that could potentially leave your business exposed to lawsuits and medical claims.

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General Liability Insurance for Draftsmen

General liability insurance — also known as commercial general liability (CGL) insurance — is a type of business insurance policy that covers costs associated with third-party accidents, property damage, and client lawsuits. Without this coverage, your draftsman business may be held responsible for these costs. That’s why we recommend that draftsmen carry general liability insurance, as it can provide much-needed protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your property
  • Professional services
  • Workers’ compensation or injury to employees
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Draftsmen

Professional Liability insurance — also referred to as errors and omissions insurance (E&O insurance) — provides coverage in the event a customer accuses your draftsman business of negligence. If your customer sues your business for mistakes related to your work, your professional liability insurance policy may cover resulting damages and legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Workers’ Compensation Insurance for Draftsmen

If an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.

How Much Does Draftsman Insurance Cost?

While there’s no one answer for how much insurance for draftsmen costs, you can get an estimate for what you might pay based on:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your draftsman insurance may cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your draftsman insurance coverage.

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