Professional Liability Insurance for Design Professionals

As any A&E professional knows, no matter how diligent you try to be, occasionally a client will take action against you for services rendered. RLI offers professional liability coverage for architects, engineers and design firms to protect against negligent acts, errors or omissions in the performance of professional services.

The RLI Advantage

• Free continuing education credits
• Up to 10% discount on the professional liability premium through our risk management webinars
• Complimentary contract review services
• Additional 2% premium credit when we also insure your firm’s P&C coverages
• Free pre-claims assistance
• Proactive risk management guidance

Coverages

• Worldwide coverage
• Pollution incident coverage
• Definition of “Insured Person” includes temporary or leased personnel and retired personnel
• Predecessor firm coverage, including joint ventures
• Automatic 90-day coverage for acquired or merged entities
• Marital or domestic partner extension
• Innocent insured provision
• Deductible mediation credit of 50% subject to a $12,500 maximum
• Defendants′ reimbursement of expenses — $500 per day subject to $12,500 maximum (reimbursement applies day one)
• Punitive damages extension where allowable by law
• Blanket waiver of subrogation provision
• Automatic excess coverage for separately insured projects
• Cost effective options to increase policy limits
• Extended reporting period options up to 5 years
• Directors & Officers, Fiduciary Liability and Employment Practices Liability coverages
• High SIR (Excess) programs up to $10M limits

Who We Cover

• Architectural firms
• Landscape architects
• Civil engineers
• Surveyors
• Mechanical engineers
• Structural engineers
• Electrical engineers
• Interior designers
• Technical design consultants