Carrier

Hudson Insurance Company

Admitted "A" (XV) rated carrier by A.M. Best Company

States

AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Product Info

Please note - our program is designed for a select group of appointed specialist producers. Unfortunately, we are not currently taking on additional producers. This allows us to provide our clients the utmost care and attention. 

Architects and Engineers Liability offers comprehensive, flexible coverage packages tailored to meet your firm’s needs. Our experienced underwriters will accurately measure your risk and provide great value and protection for your premium dollar. Whether you are a large multi-discipline firm operating worldwide, or a small design boutique with a neighborhood practice, Architects and Engineers Liability is right for you.

Target Market:

Architects, engineers and environmental consultants professional liability

Coverage Limits:

Standard limits from $250,000 up to $10 million. Excess limits, split limits and project or client-excess limits available. Prior acts coverage available to most firms.

Deductible Options:

Deductibles as low as $2,500. Aggregate, first-dollar and shared-expense deductible options are often available for added protection.

Minimum Premiums:

Annual premiums available from as low as $2,500. For structural engineers, premiums start at $3,500.

Cost-Saving Credits:

Special policy protection includes coverage for pollution incidents, participation in joint ventures, temporary staff, unintentional disclosure of confidential or proprietary information, personal injury, punitive or exemplary damages, and dishonest acts.

Program Highlights:

• Claims made and reported policy
• Coverage provided for "Wrongful Acts" and "Pollution Incidents." (INSURING AGREEMENTS, Sect. I-A.)
• Worldwide coverage - payment on behalf of insured and duty to defend (TERRITORY AND DEFENSE, Sect. II-A)
• Option for insured to designate defense counsel (except in NY) with Hudson Insurance Group's written consent. (Sect. II-B)
• Coverage for insured's participation in a Joint Venture. (EXTENSION OF COVERAGE, Sect. III-A)
• Coverage for the unintentional disclosure of confidential or proprietary information in the performance of professional services. (Sect. III-B)
• Free Loss Prevention Assistance program. (SUPPLEMENTAL PAYMENTS, Sect. IV-A)
• Supplemental Payment of up to $10,000 per policy year for reimbursement of reasonable attorney's fees in response to a disciplinary proceeding commenced against an insured. (Sect. IV-B)
• Reimbursement of loss of earnings and expenses incurred in defense of a claim - $300 per day -up to $7,500 per policy year. (Sect. IV-C)
• A.D.A., F.F.H.A. and O.S.H.A. action expense reimbursement up to $10,000 per policy year. (Sect. IV-D)
• Coverage for claims alleging personal injury. (DEFINITIONS, Sect. V-P)
• Coverage for punitive or exemplary damages. (Sect. V-F)
• "Innocent Partner" coverage for dishonest acts. (EXCLUSIONS, Sect. VI-A)
• No "Other Insurance" exclusion, no exclusion for Asbestos, Mold or Terrorism.
• Mediation credit of 50% of the deductible (up to a maximum reduction of $15,000) for claims resolved through mediation. (CONDITIONS, Sect. VII-F)
• "Automatic Excess" over project-specific insurance. (Sect. VII-H)
• Liberalization clause. (Sect. VII-N) 

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