Professional Liability Insurance

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. Whether it is for negligent acts, errors or omissions in the performance of professional services (wrongful acts), RLI’s professional liability insurance can help.

Architects! Professional liability can protect you. Engineers! Professional liability can keep you in business.

Benefits

Our policy form includes:

• Defendants’ reimbursement of expenses — $500 per day subject to $12,500 maximum (reimbursement applies day one)
• ADA/FHA/OSHA regulatory or administrative action reimbursement — $30,000 per policy period
• Free pre-claims assistance
• Disciplinary proceedings reimbursement — $5,000 per proceeding
• Pollution incident coverage
• Definition of "Insured Person" includes temporary or leased personnel and retired personnel
• Predecessor firm coverage, including joint ventures
• Worldwide coverage
• Liberalization clause
• Blanket waiver of subrogation provision
• Punitive damages extension where allowable by law
• Deductible mediation credit of 50% subject to a $12,500 maximum
• Automatic 90-day coverage for acquired or merged entities
• Innocent insured provision
• Marital or domestic partner extension
• Consent to settlement provision — 50/50 co-share between "Insured" and "Insurer"
• 60-day automatic extended discovery period
• Final adjudication provision for intentional or dishonest acts
• Automatic excess coverage for separately insured projects
• Bilateral extended reporting period provision

Target Customers

RLI Design Professionals preferred accounts include:

• Architectural firms
• Landscape architects
• Civil engineering
• Surveyors
• Mechanical engineering
• Structural engineering
• Electrical engineering
• Interior designers
• Technical Design Consultants