What does General Liability Insurance protect against?

• A. Protects against claims of property damage, liability and personal injury caused by architects or their employees, consultants, or other people hired by the architect.
• B. Covers only damages to the architect's own property.
• C. Insures against professional malpractice claims.
• D. Covers theft of design documents.

Answer: (A)

General liability insurance protects against claims by others for property damage, liability, and personal injury that result from the architect’s work or from people the architect hires (employees, consultants, or contractors) while performing services. It covers the costs of defending these claims and any settlements or judgments. It does not cover damages to the architect’s own property, professional malpractice (that’s a separate professional liability/E&O policy), or theft of design documents (which is covered by crime or fidelity insurance). So the best description is protection against third-party claims for property damage, liability, and personal injury caused by the architect and their team.