Architects and Engineers

• Bodily injury, property damage and pollution liability explicitly covered where directly arising from performance of professional services, up to full limits  
• Defense of licensing proceedings and subpoena assistance - sublimit included as coverage enhancement, outside of limits  
• 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 attorney fees explicitly covered as ‘damages’  
• Supplemental payments 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 definition of ‘insured’ 
• Mold explicitly covered
• FHA/OSHA/ADA regulatory coverage up to $25K  
• No asbestos exclusion for design professionals, construction managers and developers  
• Third-party discrimination explicitly covered up to full limits  
• Deductible credit included in base form

Additional coverage available

• Enhanced technology including coverage for building information modelling services (BIM) 
• Cost of defense options: first dollar defense, additional defense costs, aggregate deductible 
• Specially tailored limit options for firms with small revenues (less than $100,000 annually) ·
• General Liability coverage (for certain professionals) 
• Follow-form excess coverage