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Hiscox Professional Liability Portfolio – Architects, Engineers and Construction Managers Professional Liability Insurance

What’s NEW in Hiscox Architects & Engineers Insurance?

We are very excited to introduce Hiscox Professional Liability Portfolio, a new product which provides ‘tailor-made’ solutions for Allied Healthcare (AHC), Architects and Engineers (A&E) and Miscellaneous Professional Liability (MPL) clients. Our Architects, Engineers and Construction Managers Insurance offers a wide range of coverage to address the risks and exposures faced from small construction managers to engineering and design build firms.

Advantages of the new A&E form within the Professional Liability Portfolio:

  • Targeted, industry specific policy forms
  • Standard general terms and conditions for all lines of business
  • Cross selling opportunities – add GL coverage to PL policies
  • Customized policy to suit your clients’ needs
  • Clear, concise policy language
  • Crime and privacy modules available soon
  • Offers the protection necessary to allow the insured to focus on what’s important, his or her business

Who we cover:
See here for a full list of who we cover

Preferred Professions

  • Licensed architects
  • Design/build firms
  • Licensed engineers, including but not limited to civil, electrical, environmental, industrial and mechanical engineers
  • Interior designers
  • Construction/Project managers
    …and other professions / exposures

Will also consider

  • At–risk construction managers
  • Roofing consultants
  • Oil/gas exposure
  • Condo exposure
    …and other professions / exposures

Unlikely to provide terms

  • Geotechnical / Soil engineers
  • Structural engineers
  • Land surveyors
    …and other professions / exposures

Coverage Highlights:

  • Bodily injury explicitly covered for BI directly arising from performance of professional services, up to full limits
  • Property damage explicitly covered for PD directly arising from performance of professional services, up to full limits
  • Pollution explicitly covered for pollution directly arising from performance of professional services, up to full limits
  • Defense of licensing proceedings and subpoena assistance – sublimit included as coverage enhancement, outside of limits
  • Punitive damages specifically included in definition of ‘damages’, where insurable by most favorable applicable jurisdiction, up to full limits
  • Personal injury expanded to cover ‘personal and advertising injury’
  • Payment of claimant’s attorney fees explicitly covered as ‘damages’
  • Supplemental payments up to $250 per day, up to $10,000 per claim, outside of limits
  • Up to $50K in pre-claim assistance, outside of limits
  • Independent contractors specifically included in definition of ‘insured’
  • Mold explicitly covered with sublimit or full limits
  • FHA/OSHA/ADA regulatory coverage up to $25K
  • No asbestos exclusion for design professionals, construction managers and developers; no change for contractors
  • Third-party discrimination explicitly covered up to full limits
  • Deductible credit included in base form

Targeted industry specific forms:

  • Real estate developers:
    o All coverage highlights above
    o Coverage includes property sales, property management and notary work in addition to the contracting and construction management disciplines
    o Will consider 100% owned properties

  • Contractors:
    o Contractors pollution coverage
    o All coverage highlights above, with exception of asbestos

Policy comparisons:

See policy comparison of old and new policy form.

Contacts

Dan Gmelin
Vice President
New York
T: 914 273 7410
E: dan.gmelin@hiscox.com

Kaitlyn Dudzinski
Underwriter
Los Angeles
T: 213 412 1230
E: kaitlyn.dudzinski@hiscox.com

Benjamin French
Assistant Vice President
Chicago
T: 312 239 6355
E: benjamin.french@hiscox.com

Scott Gold
Assistant Vice President
San Francisco
T: 415 912 1642
E: scott.gold@hiscox.com

Will Henson
Senior Underwriter
New York
T: 646 442 8287
E: will.henson@hiscox.com

Lindsey Lomax
Underwriter
Atlanta
T:404 410 2811
E: lindsey.lomax@hiscox.com

John Schoerner
Underwriter
Atlanta
T: 404 410 2812
E: john.schoerner@hiscox.com

Documents

Type Details
Product brochures
Hiscox Professional Liability Portfolio brochure
Hiscox Professional Liability Portfolio policy comparison
Hiscox Professional Liability Portfolio base form and A&E
Architects, Engineers and Construction Managers Factsheet
Real Estate Developers Factsheet
Applications
A&E Main Application
A&E Renewal Application
SA-29 Architects & Engineers
Specimen policy forms
General Terms and Conditions
General Liability Occurrence
General Liability Claims Made and Reported
Architects Engineers Construction Managers
Contractors Form
Real Estate Developers Form



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