Professional Liability Highlights

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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