Availability: In all 50 states, the District of Columbia and U.S. territories\

2020 policy form: approved in most states (state filings pending in AK, KS, PR. Not available in SD and VT)

Coverage: Admitted, with an A rated carrier (non-admitted capacity available as needed)

Target Risks: Engineers, architects, surveyors, landscape architects

Limits: Up to $20 million (up to $35 million for firm with revenues over $5 million)

Policy features

• One of the broadest professional liability forms in the industry
• International coverage
• Multi-year policies available for eligible small accounts
• Broad coverage for pollution, asbestos and equity interest
• ERP death or disability coverage for no additional charge
• $0 deductible options available for small firms
  
• Defense outside the limits
  
• Rectification expense coverage for a design defect caused by professional services
  
• No hammer clause
• Punitive damages coverage where allowable by law
• Free risk management resources including publications, seminars, live and recorded webinars and contract reviews by experienced risk management professionals
• Free continuing education courses
• Local claims service by dedicated A&E specialists and experienced defense attorneys
• 5% premium credit for AIA/NSPE members
• Up to 12% premium savings for ACEC members
  
  

2020 Policy Form Enhancements

• Expansion of the term insured
• Enhanced rectification applicability
• Availability of aggregated defense outside the limits
• Update to the faulty workmanship exclusion
• Carve-back to the transportation exclusion
• Inclusion of most favorable jurisdiction
• Expansion of the subrogation waiver
• Liberalization of current policy coverages
• Updated rates in select states

Learn more about our 2020 form

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