Applications for Architects and Engineers
Not just a policy. A partner.
Broad Professional Services Definition — Coverage extends to traditional design professional services and expands to developing service offerings, including the use of expanding technology methods such as BIM and 3D modeling.
Broad Definition of Insured — Coverage extends to retired professionals of the firm as well as predecessor firms.
Worldwide Coverage — Policies apply to wrongful acts committed and claims made and reported anywhere in the world.
Additional Coverage Options for Qualifying Firms — Convenient affordable options for the other risks you face with dedicated limits separate from your professional liability limit.
Cyber Suite for Design Professionals — Additional coverage for privacy and network security liability and data breach risk
Employment Practices Liability for Design Professionals — Covers Typical Allegations such as Discrimination, Harassment, Wrongful Termination, Failure to Hire and Retaliation
- Practice policy limits up to $10M available
- Specific Project/Specific Client Excess available
- Contractor’s Pollution Legal Liability included
- Network Security Liability included
- Up to $30,000 per policy year for Crisis Management Expenses
- Up to $50,000 for Administrative and Regulatory Expenses
- Up to 75% deductible credit for settling claims using mediation or for incorporating certain risk management practices into your professional contracts
- Professional Liability coverage for drones and other UAVs
- Wrongful Acts arising out of data collected or work product derived from the use of unmanned aerial systems and other vehicles
- Pro Bono Professional Services coverage
Our Early Warning System puts a Claim Consultant to work at the first sign of trouble. This approach saves you time and money, because the costs incurred in resolving a pre-claim dispute do NOT impact your deductible or loss history.
Consistently Superior Claim Service
When you pay an insurance premium, you’re buying a promise. Our claims service is that promise. We hold ourselves accountable to deliver the highest levels of technical expertise and client service to protect your assets and your reputation.
Learn & Earn up to 25% Premium Credits
Earn premium credits for learning and using the latest techniques in loss prevention and risk management.
• Each Policy Year, firms that successfully complete an approved Education Program
can earn up to 10% premium credit for the first $5 million in coverage
• Up to 15% premium credit for using our recommended Limitation of Liability
clause in your contracts
XL Catlin Contract eGuide
• Copy/paste sample contract language directly into your documents with our exclusive Contract eGuide
. Mobile compatible – take it anywhere!
Save on Professional Development Costs
Use our online Learning Management System
to earn PDHs at no additional cost. Our courses are registered with the AIA—many are HSW qualified.
Mediation can save time and money—and business relationships. Resolve a claim through mediation and receive a 75% deductible credit for claims resolved within one year (50% thereafter)—up to $25,000.
Contractual Risk Management Credits
Well-written contracts are the best first defense against claims. If you incorporate at least three of our recommended practices, you'll qualify for a 75% deductible credit for claims resolved within one year (50% thereafter)—up to $35,000.
Specialized Insurance Solutions
Firms earning up to $2 million annual fees can choose policy terms of one or two years, limits of $100,000 to $2 million and deductibles of $0 to $25,000, depending on firm size. Additional coverage available for specific projects and clients or multiple projects.
Design Professionals Risk Control Group (DPRCG)
Founded in 1988, DPRCG's members include some of the most recognized names in the design industry. The objective is simple: to improve practice and risk management by sharing information, ideas and advice. DPRCG members also have the opportunity to collaborate with other members and develop new programs and initiatives to keep the group ahead of industry trends.
Programs are registered with the American Institute of Architects (AIA), and units earned by architects are directly reported to the AIA by XL Catlin’s Design Professional team. Engineers can generally use certificates of completion to self-report Professional Development Hours. Not all states and licensing boards accept these programs for Learning Units, and some do not recognize the Health, Safety, and Welfare (HSW) qualification.
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.