The CAA recommends that the amount of professional liability insurance required by clients be correlated with the scale, complexity and risk of the project. This is normally between $500,000 and $2,000,000 per claim and aggregate. Clients are encouraged to carry a construction contingency appropriate to the scale, complexity and risk of the project.

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The professional liability terms in agreements between clients and Consultants should:

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• Be clearly defined to limit the responsibility of the design team to negligent actions, negligent errors or negligent omissions.
   

• Limit the professional liability of the Consultant to the client to the per claim insurance limit required by the agreement on a given project.
   

• Limit the professional liability of the Consultant to the client to the amount of fees paid on studies and small projects.
   

• Clearly define that the Consultant is not responsible for consequential damages.
   

• Clearly define that the Consultant is not responsible for the client’s legal expenses