Insurance for Architects and Engineers

Introducing PROSURANCE™ A&E

ProSurance™ A&E is a professional insurance product designed specifically for architects and engineers. As professionals who engage in a broad range of disciplines that can vary from project to project, architects and engineers are exposed to a diversity of risks: one job may involve significant bodily injury exposures, while another might have the potential to cause pollution if things go wrong. It is therefore critically important for architects and engineers to buy an insurance policy that covers these exposures. Our supplier insures thousands of architects and engineers around the world. Because of this, we have a clear idea of this diversity and the wide range of activities related to the sector.

Broad Coverage

ProSurance™ A&E is not just errors-and-omissions insurance. It is a modular policy targeting key exposures for architects and engineers. Features include:

• A comprehensive General Liability package, including products and completed operations liability, tenants' legal liability, employee benefits liability, non-owned and hired auto and medical expenses
• Property cover which includes sewer back-up as standard and provides options for earthquake and flood
• Business interruption cover containing tailored enhancements such as loss of research and development expenditure and project delay costs
• Full pollution liability, covering both sudden & accidental and gradual pollution, which is an important concern for geologists and environmental engineers amongst others
• Clear, unambiguous cover for breach of a client contract providing you with certainty that this increasingly important exposure is covered
• Full civil liability coverage, not just negligence
• Specific cover for breach of intellectual property rights
• Cover for suits brought against the architect or engineer anywhere in the world as standard
• Payment of fees withheld by an aggrieved client if this mitigates a potentially larger claim
• Reimbursement of costs incurred to help reduce or avoid a claim.
• Punitive and exemplary damages cover
• Virus and hacking liability cover

Limits, Deductibles and Preniums

• Limits of liability available up to $10,000,000
• Range of reinstatement options available
• Deductibles starting from just $1,000
• Premiums starting from as little as $500

Service

We recognize that professionals want to buy their insurance quickly and simply. That’s why our insurance policy is backed up by exceptional service levels featuring:

• Over 90% of quotes provided within 48 hours
• A “fast-track” same-day service for urgent submissions
• Policies issued within 24 hours of binding if we have all the information we need