Which risk is covered by professional liability insurance?

• A. Bodily injury, property damage, or other damage caused by the architect's actions.
• B. Property theft.
• C. Contract disputes unrelated to professional services.
• D. Auto accidents of staff.

Answer: (A)

Professional liability insurance protects against claims arising from the architect’s professional services, including mistakes or negligence in design, coordination, or advice. It covers damages that flow from those professional acts, such as bodily injury, property damage, or other harm caused by the architect’s actions. It does not cover property theft (that’s crime or property insurance), contract disputes unrelated to professional services, or auto accidents (covered by separate auto or liability policies). So the risk it covers is bodily injury, property damage, or other damage caused by the architect’s actions.