Architects and engineers engage in a broad range of disciplines which vary widely from project to project. These projects are located around the globe and necessitate working in a wide range of legal and technical environments. It’s therefore critically important for architects and engineers to buy an insurance policy which covers these diverse exposures. Our product is not just professional indemnity insurance. It is a modular policy which specifically targets key exposures for architects and engineers. Some of the features are listed below.
TRADITIONAL OFFICE COVER
Our policy includes a comprehensive package of coverage including products liability, employers’ liability, property cover, and our innovative business interruption insurance.
Property in Transit
We recognize that your property travels with you – and sometimes to sites which do not offer a very secure environment for it. So our cover includes worldwide laptop protection as standard, and can be extended to other property you value.
Full Pollution Liability
This feature covers both sudden as well as accidental and gradual pollution, which is an important concern for geologists and environmental engineers and an increasingly important exposure as environmental regulations become stricter and more complex.
Business Interruption Cover
It’s not always possible to foresee where the next business interruption comes from, so our innovative cover is offered on a “flexible first loss” basis, which means whatever type of business interruption loss is suffered, only one sum insured needs to be purchased.
Virus & Hacking Liability Cover
Most businesses hold sensitive data entrusted to them by their clients. Losing this data as a result of a hack attack or computer virus can lead to potential liability and significant brand damage. In order to address this emerging risk, we have designed a specific module of cover that provides explicit protection.
Intellectual Property Rights Infringement
Our policy covers costs associated with copyright and trademark infringement claims being brought against you, including legal costs, damages, settlements and counterclaims.
Clear, unambiguous cover for breach of a client contract. We will pay sums which you become legally obliged to pay as a result of a claim by a client made against you, including liability for claimants’ costs and expenses.
Comprehensive Legal Cover
Our policy includes cover for suits brought anywhere in the world as standard. We also offer full civil liability coverage and cover costs incurred by attending court sessions in relation to a claims or loss case covered by this policy.
Claims can quickly spiral out of control and incur a significant cost to the business or individual. That’s why our policy includes reimbursement of costs incurred to help reduce or avoid a claim, as well as the payment of fees withheld by an aggrieved client if this mitigates a potentially larger claim.
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