In architectural practice, risk takes many forms. It’s comforting to know that your Pro-Demnity policy protects you against the risks of error or unintentional neglect. The policy spells out the many things that are covered, as well those that aren’t. Bear in mind that a number of things aren’t specifically mentioned, simply because they aren’t responsibilities imposed by common law. This is to say that, “A professional liability insurance policy is not an all-risk contract. It is rather a safety net, providing protective cover within specified limits.”