Which combination of insurance policies do the partners need to carry?

• A. General business coverage; Professional liability; Workers' compensation
• B. General business coverage; Professional liability
• C. General liability; Property insurance; Workers' compensation
• D. Professional liability; Errors and omissions

Answer: (A)

A professional design practice needs a balanced insurance package that protects the firm, clients, and employees. The best combination includes general business coverage (which typically encompasses general liability and other common lines), professional liability (often called errors and omissions coverage for the quality of professional services), and workers’ compensation (to cover medical costs and lost wages if an employee is injured on the job). This trio ensures you’re covered for third‑party claims arising from everyday operations, claims of design/negligence, and workplace injuries, plus it helps meet legal requirements where you have employees.

If you leave out workers’ compensation, you risk noncompliance and lack coverage for employee injuries. If you omit professional liability, design errors or omissions exposed to clients aren’t protected. If you rely only on property coverage or general liability without the professional-liability component, the specific risks tied to professional services aren’t addressed. Hence, the combination that brings together broad business protection, professional service protection, and employee injury coverage is the most appropriate.