Architects & Engineers

Program Highlights

• A.M. Best “A+” (Superior) rated, Financial Class XV
• Eligible design firms with billings up to $50M
• Limits up to $5M
• Minimum premium of $1,225 for a $250,000 limit
• Admitted in all states except Hawaii, Louisiana and Vermont
• Multi-policy credit
• Direct billing with installments available
• $0 retention and multi-year policies available to qualifying small firms
• Aggregate retention available
• Contract review service available
• “Green Focused” – paperless workflow: all submissions, quotes and policies by email
• Risk management resources at your fingertips, including quarterly email newsletters and webinars

Coverage Highlights

• No hammer clause
• Worldwide coverage
• Broad definition of professional services to include information technology services
• Insuring agreements include: Professional Liability, Personal Injury Liability, Network Intrusion Liability and Rectification Expense coverages
• Pollution incident coverage
• Free pre-claim assistance
• Mediation retention credit (50% up to $25,000) and early resolution retention credit (75% up to $25,000) available
• Subpoena Assistance, Crisis Event Management, Non-profit D&O coverage, Client Entity Fee Assistance included
• Blanket predecessor firm coverage
• 90-day automatic coverage for acquired, formed or merged entities
• 60-day claim reporting grace period
• 60-day automatic extended reporting period
• Up to $25,000 in reimbursement for expenses associated with FHA/OSHA and ADA administrative actions
• $500 per day/$7,500 per claim/$25,000 per policy period, loss of earnings reimbursement