RLI’s property and casualty insurance policies for design professionals provide industry-leading coverages that are specifically designed to meet your firm’s needs, help you recover quickly after a loss, and provide assistance in complying with many common contractual insurance requirements. We automatically include many built-in offerings and increased limits that are not offered, or are only offered at an additional cost, by our competitors. The advantage for the design professional is peace of mind that they will have sufficient coverage in the event of a loss and that they are with a carrier who has built coverage to address the demands of their clients when they are negotiating contract terms for insurance requirements.
Lines of Coverage
These coverage features are available in most states.
- Businessowners′ property and general liability
Property:
- Full replacement cost with no coinsurance penalty.
- The following is automatically included:
- Business income and extra expense for up to 12 months on an actual loss sustained basis.
- Business income and extra expense can be settled on a billable hours basis for a loss up to $50,000.
- Worldwide coverage for computers and electronic data. Flood, earthquake, head crash and electronic vandalism/virus are covered perils.
- $100,000 valuable papers blanket limit. Flood and earthquake are covered perils.
- $250,000 accounts receivable blanket limit. Flood and earthquake are covered perils.
- $100,000 fine arts blanket limit — includes architectural models at full replacement cost. Flood and earthquake are covered perils.
- $25,000 for water backup and sump pump overflow.
- $50,000 employee dishonesty limit.
- $100,000 ERISA limit.
- $25,000 for green building/business personal property upgrades and recertification expenses.
- $25,000 utilities services direct damage and business income extra expense.
- Available options
- Tools, equipment and watercraft endorsement — covers field/surveying equipment and owned watercraft. Blanket or scheduled basis. Business interruption and rental expenses included. Limited exclusions.
General Liability
- Either $1/2 or $2/4 million GL limits available.
- The following is automatically included:
- Blanket additional insured.
- Per project and per location aggregate.
- Blanket waiver of subrogation.
- Unnamed partnerships and joint ventures.
- Electronic data liability.
- $1 million tenant legal liability.
- Railroad easement included as insured contract.
- Available options
- Hired and non-owned auto liability coverage — separate limit of liability.
- Hired auto physical damage coverage.
- Employee benefits liability coverage.
- Owned watercraft liability.
- Notice of cancellation to a designated entity.
- Foreign liability endorsement.
- Excess liability
- Up to $10 million limits available.
- The following is automatically included:
- Follow form with underlying GL, auto, employee benefits and employers liability.
- Excess liability enhancement endorsement:
- Per project/location aggregate limits.
- Blanket waiver of subrogation.
- Primary/non-contributory coverage for additional insureds.
- Available options:
- Notice of cancellation to a designated entity.
- Automobile coverage
- Eligible autos include private passenger, light and medium duty trucks, snowmobiles, ATVs, trailers and mobile equipment subject to financial responsibility laws.
- Available options:
- Auto coverage enhancement endorsement — includes:
- Employees as insureds.
- Blanket additional insured coverage.
- Blanket waiver of subrogation.
- Employee hired autos.
- Fellow employee coverage.
- Rental/substitute auto expenses — up to $1,500.
- Hired auto physical damage — up to $60,000.
- Auto loan/lease gap.
- Notice of cancellation to a designated entity.
- Workers′ compensation coverage
- Eligible job classes include architects, engineers, surveyors, clerical and draftsmen, analytical chemists, and salespersons.
- Streamlined premium audit process designed for the architect, engineers and surveyors class of business.
- Available options:
- Blanket and/or scheduled waivers of subrogation.
- Employers liability increased limits — up to $2 million.
- USL&H coverage — if any basis and up to 10% of payroll.
- Stop gap coverage for monopolistic states.
- Notice of cancellation to a designated entity.
Who We Cover
- Architectural firms
- Landscape architects
- Construction and project management consultants
- Civil engineers
- Surveyors
- Mechanical engineers
- Structural engineers
- Electrical engineers
- Interior designers
- Technical design consultants
