Hiscox PRO Architects and Engineers

Hiscox PRO®

Architects and Engineers

What is Architects and Engineers coverage?

Hiscox Architects and Engineers offers a wide variety of coverage addressing the risks and exposures faced by firms such as electrical engineers, general contractors, manufacturing professionals, real estate developers and more.

Appetite
  • Licensed architects
  • Licensed engineers, including but not limited to civil, electrical, environmental, industrial and mechanical engineers 
  • Professionals performing drafting services whose work is certified by a licensed architect/engineer 
  • Construction/project managers 
  • Design/build firms 
  • General contractors 
  • Specialty contractors
  • Real estate developers
  • ‘Green building’ designers and contractors
  • HVAC consultants
  • Interior designers
  • Land surveyors
  • Landscape architects
  • Mortgage field surveyors 
  • And more

Download Appetite Guide

Capacity

$10M capacity on primary or excess basis

Coverage & Benefits
  • Bodily Injury, Property Damage and Pollution directly arising from performance of professional services, up to full limits - defense outside of limits
  • Defense of licensing proceedings and subpoena assistance
  • Punitive damages specifically included in definition of ‘damages’, where insurable by most favorable applicable jurisdiction, up to full limits
  • Personal injury expanded to cover ‘personal and advertising injury’
  • Payment of claimant’s attorneys' fees explicitly covered as ‘damages’
  • Supplemental payments of up to $250 per day, up to $10,000 per claim, outside of limits
  • Up to $50K in pre-claim assistance, outside of limits
  • Independent contractors specifically included in the definition of ‘insured’
    Mold explicitly covered with sublimit or full limits
  • FHA/OSHA/ADA regulatory coverage of up to $25K
  • No asbestos exclusion for design professionals, construction managers and developers; no change for contractors
  • Third-party discrimination explicitly covered up to full limits, as permitted by law
  • Deductible credit included in the base form
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Tailored industry coverage

We make it easy for you to sell our products for key industries, ensuring all the coverage your client needs is available.

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Related products

Package A&E with the following products: General Liability, Cyber, Crime, and Technology.

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

General Contractor

A general contractor working on a refrigerated warehouse project subcontracts the design of the refrigeration and ventilation system to a small mechanical engineer. The engineer, who did not carry professional liability, miscalculated the cooling needs of the warehouse and specified an inadequate ventilation system. The building owner demanded $250,000 to replace the poorly performing system.

General Contractor

A general contractor working on a refrigerated warehouse project subcontracts the design of the refrigeration and ventilation system to a small mechanical engineer. The engineer, who did not carry professional liability, miscalculated the cooling needs of the warehouse and specified an inadequate ventilation system. The building owner demanded $250,000 to replace the poorly performing system.

Developer

A condominium owner brings a claim against the developer and the architect for a design error. The architect cannot be located and the architect's insurance has lapsed. The suit continues against the developer.

Developer

A condominium owner brings a claim against the developer and the architect for a design error. The architect cannot be located and the architect's insurance has lapsed. The suit continues against the developer.

Construction

A wrongful death suit is brought arising out of claims that a Civil Engineer for a highway construction project negligently relocated traffic lanes. The design error resulted in a driver striking an arrow board which flew into oncoming traffic injuring two and killing one passenger in an auto. The settlement exceeded $1,000,000 for defense costs and indemnity.

Construction

A wrongful death suit is brought arising out of claims that a Civil Engineer for a highway construction project negligently relocated traffic lanes. The design error resulted in a driver striking an arrow board which flew into oncoming traffic injuring two and killing one passenger in an auto. The settlement exceeded $1,000,000 for defense costs and indemnity.

Key contacts

Joe Reynolds
VP, Product Head – A&E
Margie Donnell
Sr. Claims Counsel – A&E