Common endorsements on an architects/engineer’s business owner policy- There are several endorsements that are available on a business owner policy, these are some of the more common endorsements for architects and engineers. Blanket additional insured endorsement. This provides the additional…
Deductible options on an architects/engineer’s professional liability policy – This isn’t referring to the deductible amount, such as $5,000. The deductible option is going to be either a first dollar defense deductible or a straight deductible. There are some other…
Subpoena What does my architecture/engineering firm do when we receive a subpoena? A subpoena doesn’t mean your firm has been named in a claim. Most times when a subpoena is received, they are requesting documents from your firm as it…
Architects/engineers professional liability policy for a specific project- The question comes up often, can my firm get a policy for just one project. There are several answers to that question, depending on your firms current professional liability policy. If your…
Pre-claims assistance on an architects/engineers professional liability policy- We are often asked if a pre-claim counts against your firm, when it comes to the renewal premium. The answer is no, unless it turns into a claim. However, the pre-claims assistance…
Definition of professional services in an architects/engineer’s professional liability policy- It is important to know what the definition of professional services because if your firm is providing services outside of the definition it may not be covered. There are some…
Cancellations & non-renewals of an architects/engineers professional liability policy- The same parameters of the cancellations and non-renewals will be common amongst most insurance companies. Here is an example of the policy wording: CANCELLATION & NON-RENEWAL (A) The Insurer may cancel…
Additional insured on insurance policies for architects/engineers- This request is asked for often and not all policies will allow for the additional insured status. Here is a breakdown of what policies will and will not allow. General liability is the…
How are sub consultants covered under an architect/engineers policies? The short answer is sub consultants are not covered under your architecture/engineering firms policies. However, there are some exceptions to this. There are some professional liability policies that will include sub…
Declarations Page What is included on the declarations page of a professional liability policy for architects/engineers? The declarations page(s) are the first few pages of your firm’s professional liability policy. There are several pieces of important information included on these…