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 engineering and design/build firms. Coverage can be tailored to suit a policyholder’s individual needs.  

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 
  • Interior designers 
  • Land surveyors 
  • Landscape architects 
  • Mortgage field surveyors
Capacity

$10M capacity on primary or excess basis

Coverage & Benefits
  • 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

Related products

Architects and Engineers coverage 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.

Electrical Engineering

An electrical engineering firm is hired by a construction manager to provide electrical plans for the remodeling of a nursing home. The construction manager has given a guaranteed maximum price for the renovation to the owner of the nursing home. During construction, the state’s Department of Public Health imposes several requirements, and they issue adverse rulings with respect to code requirements. As a result, the costs of the project exceed the guaranteed maximum price and the firm was sued for the difference.

Electrical Engineering

An electrical engineering firm is hired by a construction manager to provide electrical plans for the remodeling of a nursing home. The construction manager has given a guaranteed maximum price for the renovation to the owner of the nursing home. During construction, the state’s Department of Public Health imposes several requirements, and they issue adverse rulings with respect to code requirements. As a result, the costs of the project exceed the guaranteed maximum price and the firm was sued for the difference.

Construction manager

The construction manager alleges that errors and omission on the part of the insured resulted in electrical work exceeding the original bid. The insured disputes that increased costs are the result of added value and unforeseen conditions. Defense council offers an early settlement offer, and plaintiff makes a counter offer. The matter is settled for over $250,000.

Construction manager

The construction manager alleges that errors and omission on the part of the insured resulted in electrical work exceeding the original bid. The insured disputes that increased costs are the result of added value and unforeseen conditions. Defense council offers an early settlement offer, and plaintiff makes a counter offer. The matter is settled for over $250,000.