Architects and Engineers

Tailored industry coverage

 

Why purchase tailored coverage?

Architects and Engineers Professional Liability Insurance offers optimal protection to professionals ranging from sole practitioners to large firms.  A Hiscox Architects and Engineers policy provides coverage and defense for third party claims arising out of professional services performed by you or on your behalf.

 

Coverage & Benefits

  • Core coverage:

    • Professional liability coverage and defense for third party claims arising out of professional services performed by you, or on your behalf

  • Coverage enhancements:

    • Media and Advertising
    • Crisis Management
    • Pre-claims Assistance and Additional Payments

  • Coverage benefits:

    • Broad definition of professional services, including technology services, use of drones, and pro bono services
    • Blanket Additional Insured for Clients for acts arising out of the Named Insured's services
    • Blanket Waiver of Subrogation to Clients
    • Coverage for IP infringement claims
    • 70/30 Settlement Clause

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Claims scenarios 

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

Architect

Our Insured, a Mechanical and Electrical (MEP) Engineering firm, was hired by a contractor for the design build of a hospital. During construction, the contractor realized the MEP’s design of the HVAC system did not meet the hospital owners’ specifications and requirements. Although the MEP redesigned the system, the contractor incurred $800,000 in rework which resulted in a three month delay to the project. A Hiscox Pro A&E Policy provided defense for the Insured on the contractors claim and indemnified the contractor for the loss that arose out of rework and project delays.

Architect

Our Insured, a Mechanical and Electrical (MEP) Engineering firm, was hired by a contractor for the design build of a hospital. During construction, the contractor realized the MEP’s design of the HVAC system did not meet the hospital owners’ specifications and requirements. Although the MEP redesigned the system, the contractor incurred $800,000 in rework which resulted in a three month delay to the project. A Hiscox Pro A&E Policy provided defense for the Insured on the contractors claim and indemnified the contractor for the loss that arose out of rework and project delays.

Electrical Engineer

An architect was hired by a developer for the design of a shopping center. Due to errors in design and specification the developer’s contractor was unable to proceed with construction on schedule, and the project was delayed by six months. As a result, the developer incurred financial loss arising out of additional construction costs and loss of rental income. A Hiscox Pro A&E policy would provide the architect with defense and indemnity for claims from the developer arising out of the architect’s professional negligence and errors and omissions.

Electrical Engineer

An architect was hired by a developer for the design of a shopping center. Due to errors in design and specification the developer’s contractor was unable to proceed with construction on schedule, and the project was delayed by six months. As a result, the developer incurred financial loss arising out of additional construction costs and loss of rental income. A Hiscox Pro A&E policy would provide the architect with defense and indemnity for claims from the developer arising out of the architect’s professional negligence and errors and omissions.