As an engineer or architect, your decisions directly impact the safety, functionality, and durability of the projects you undertake. Whether it’s a building, infrastructure, or development, even a minor error can lead to significant consequences; personal injuries, property damage, pollution, project delays, or substantial financial losses for the client.
A simple omission, even made in good faith, can quickly escalate into a claim. That’s why it’s essential to have comprehensive professional liability insurance tailored to your field of activity.
The experts at J. Gérard Fortin & Associés understand the complexities and risks inherent to engineers and architects. They assist you in selecting coverage that genuinely protects you, regardless of the nature of your projects or your specific discipline. With adequate protection, you can practice your profession with confidence, without fearing the financial repercussions of unforeseen events.
Selecting professional liability insurance goes beyond merely ticking a box. It’s about choosing a solution that considers your areas of practice, specific projects, and actual responsibilities.
An effective coverage should go beyond basic protection against errors and omissions. With comprehensive products like PROSURANCE™ A&E, specifically designed for architects and engineers, you benefit from extended and modular security, including protections rarely offered in standard policies.
With limits up to $10 million, deductibles starting at $1,000, and premiums from $500, the products available through J. Gérard Fortin & Associés are designed to effectively meet the realities of today’s professionals.
Here are some key elements your insurance may include:
Protects against claims related to professional faults in design, calculations, advice, or omissions.
Covers risks of injuries or damages caused to third parties, including tenant liability and completed operations/products.
Crucial for geologists and environmental engineers, this coverage protects against significant environmental claims.
Covers disputes related to unauthorized use of plans, drawings, or technical concepts.
Includes unforeseen expenses related to delays, R&D losses, or aborted projects.
A clear clause stating that contract terminations are covered, an aspect often ambiguous in other insurance contracts.
Protects against lawsuits filed anywhere in the world.
Includes costs incurred to prevent the escalation of a situation or to avoid a disaster.
Covers even the most severe judicial penalties imposed as exemplary damages.
Covers digital incidents that may compromise your data or the security of your projects.
Yes, some policies include worldwide coverage. It is important to confirm this with your broker.
No. Only a professional liability policy specifically covers mistakes, omissions, or professional acts committed within the scope of your practice.
Yes. Coverage generally applies to acts committed during the active period of the contract. Without renewal, you may not be covered for future claims related to past projects.