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. RLI offers comprehensive 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

  • Additional premium credit on PL when we write the P&C coverages
  • Free pre-claims assistance
  • Proactive risk management guidance


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
  • 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
  • 60-day automatic extended discovery period
  • Final adjudication provision for intentional or dishonest acts
  • Automatic excess coverage for separately insured projects
  • Crisis management coverage
  • 5 Year ERP
  • Blanket SJX option
  • Management Mack Enhancement endorsement (D&O, Fiduciary and EPLIL coverages)
  • High SIR programs (Top & Drop)

Who We Cover

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