Hiscox PRO Architects and Engineers

Hiscox PRO®

Architects and Engineers

Architects and Engineers, Contractors, Subcontractors
and Real Estate Owner/ Developers

What is Architects and Engineers coverage?

Hiscox offers a wide variety of coverage addressing construction professional liability risks and exposures for everyone on the jobsite, including Architects and Engineers, Contractors, Subcontractors and Real Estate Owner/ Developers.

Our Products
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
Appetite & Capacity
  • Architects
  • Artisan subcontractors
  • Construction design professionals
  • Construction/ project managers
  • Design builders
  • Engineers
  • General contractors
  • Project owners
  • Real estate developers
  • Capacity: up to $10m
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Key Contacts
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Claims scenarios 

Not sure what risks our Architects and Engineers product would cover? We’ve brought some scenarios to life.

General Contractors

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 Contractors

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.

Developers

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.

Developers

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 Professionals

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 Professionals

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

Audrey Lau
VP, Product Head – A&E
Margie Donnell
Sr. Claims Counsel – A&E