Professional Liability

Design Professionals

Despite your level of expertise and care, mistakes happen. Professional liability insurance provides coverage to defend and indemnify the design professional against claims alleging negligent acts, errors or omissions in the performance of professional services (wrongful acts). The policy will pay on behalf of the design professional those damages that the design professional is legally obligated to pay as a result of a wrongful act defined by the standard of care.

FAQ

WHAT DOES "CLAIMS MADE" MEAN? - Professional liability policies are usually written on a claims-made basis. This means the policy in effect the date a claim is made is the policy that responds.
HOW DOES THE DEDUCTIBLE APPLY? - The policy deductible usually applies to each claim and may or may not apply to the cost of defense.
WHAT LIMITS DO I NEED? - The policy limit of liability includes defense costs, meaning that the limit is eroded and can be exhausted by legal fees and other defense costs. Careful consideration should be given when determining what limits to have, including your history, projects, and a review of the legal climate.
HOW DO I GET A QUOTE? - The professional liability application is both lengthy and complex. We have designed an application that is suitable for submission to multiple insurance companies. With our nearly 30 years of experience we are able to properly evaluate your application to ensure that you receive the best quote possible. No application is sent to an insurance company without first being reviewed by our professional staff. True to our belief that every client deserves our personal attention, we do not offer real time quoting. Rather, shortly after receipt of your application and our review, we will contact you to set up an appointment.

Get A Quote