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Architects & Engineers Professional Liability. Architects and engineers have
professional liability exposure on every project where they provide services. The risks
are expensive lawsuits arising from incidents such as on-site accidents or project cost overruns
allegedly attributable to errors or omissions made by the design professionals.
The threat of a lawsuit is always a possibility for any professional, regardless of actual
liability. For an architect or engineer, the question is not whether to buy professional
liability insurance, but what kind. That's why the quandary for architects and engineers
isn't over the need for professional liability insurance, rather it is about securing the
right coverage with a reliable carrier.
For an architect or engineer, the risk of liability due to mishap during a project is
present from the drawing board to the ribbon cutting ceremony and sometimes beyond.
Architects and engineers often work on complex, many-faceted projects, for which
one-size-fits-all policies simply don't work. We offer:
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Standard Practice - Professional liability coverage for
traditional architectural and engineering firms, or any unusual hybrid or hard-to-place
company
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Contractor's Contingent - Protects a contractor from
vicarious liability arising out of an error or omission on the part of the
architect or design professional they hired
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Project Coverage - Stand-alone coverage for specific
projects. Just the project will be insured. No restriction on size or type of project.
Will cover a single design firm, entire team, or selected members
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Design/Build Coverage - Key Coverages:
Occurrence Commercial General Liability; Consultants Environmental Liability;
Directors & Officers Liability; Engineers & Consultants Professional Liability;
Pollution Protection Package; Umbrella Liability; Workers' Compensation
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No restriction on size or type of project
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Professional liability coverage for traditional architectural
and engineering firms, or any type of unusual hybrid or hard-to-place company
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Client-specific coverage available (covers all projects for a
specific client)
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Multi-Year policies
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Worldwide coverage
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Leased personnel included
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Broad Supplemental ERP: three (3) years available
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Unintentional breach of confidential/proprietary information coverage
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Defendant reimbursement coverage
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No asbestos exclusion
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No pollution exclusion
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Innocent principal coverage
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