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Architect &
Engineer Insurance Program
Tailored
protection for Architectural & Engineering businesses
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Our
Architect & Engineer Insurance Program offers one of the most
extensive portfolios of professional and property/casualty coverage
in the industry. Our comprehensive policy gives you the ability to
combine broad property, commercial and professional liability, commercial auto, workers
compensation and umbrella coverage.
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Coverage Highlights
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Building and
Structures – covers materials, equipment, supplies, additions, and
new construction within 1,000 feet of premises. |
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Appurtenant
Structures included with building limit, 10% of building limit. Max
$25,000. |
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Business
Income and Extra Expense – 12 months’ actual loss sustained or billable
hours basis; no
waiting period; may be excluded for premium credit. |
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Newly
Acquired or Constructed Buildings – $500,000 with 180 days to
report;
no percentage limitation. |
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Business Crime -
Choose our enhanced program for architect and engineering services and we’ll protect
you against losses resulting from employee dishonesty or forgeries.
We’ll also provide coverage for your money and securities on-premises
and in-transit. |
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EDP Equipment Coverage – a base
level of protection is built into the policy and includes the option to
increase the level or to schedule high value items including repair or
replacement of computer systems. |
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Valuable
Papers - Reproduction of destroyed drawings, blueprints and other
valuable papers. |
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Glass
Breakage – full coverage; limited coverage ($500 pane/$1,000
occurrence) available for premium credit; property
deductible can be eliminated as an option.
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Accounts Receivable Coverage
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protects you from
losses caused by damage to your re c o rds which prevents
you from collecting money owed you by customers. |
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Outdoor Property – covers fences and
walls up to $2,500, may be increased up to $250,000; signs up to $5,000,
may be increased up to $100,000; trees, shrubs, plants, and lawns up to
$10,000, $1,000 per item sub-limit. |
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Back-up of Sewers and Drains –
covered; may be excluded for premium credit. |
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Tools & Equipment Coverage
– protects you against a
loss concerning owned, borrowed, rented, or leased tools and equipment. |
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Business Liability - In addition to the
typical enhancements our comprehensive liability policy offers over the
industry standard, we’ve further enhanced our program for professional
services. At no additional cost to you, our Commercial General Liability
policy includes some unique coverage essential to those in your
industry. If your business is held legally liable for damage to
your client's property, this policy will pay up to the full limit of the
policy…without a deductible. Included in our general liability
policy is coverage for claims arising from the products you sell or the
services you complete. Our liability insurance protects you if you
are responsible for damage to the property of others. We extend this
coverage to include borrowed equipment that’s damaged at your job site
while it is not being
used.
- General liability coverage for additional insureds on a primary,
non-contributory basis if required by a written contract.
- Aggregate general liability limits per project.
- Waiver of subrogation.
- Insured unnamed joint ventures.
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Leased Building PD Damage
- $25,000 motor vehicle damage to leased buildings |
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Fire Legal Liability
- $300,000 for leased premises |
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Additional Insureds - If a written contract requires you to name
someone else as an additional insured on your policy, we’ll
automatically extend that status to them. We will also provide them with
primary coverage if they require it of you. |
Optional Coverage
- Automobile
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Boiler & Machinery
- Directors
and Officers – damages from “wrongful acts” and
reimbursement of loss and claims expenses.
- Additional Insureds
- Professional Liability
- Umbrella Policy
Workers Compensation
Policy Overview
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