Architects & Engineers

Based on Hiscox claim data from 1/1/2016-1/30/2019 

• Architecture 
• Building/construction inspection 
• Civil engineering 
• Control systems integration/ automation 
• Draftsman (including CAD/CAM)
• Electrical engineering
• Engineering 
• Engineering design services
• Environmental engineering 
• Industrial engineering
• Landscape architect 
• Process engineering
• Project manager (architecture or engineering)
• Transportation engineering 

• Bodily injury
• Code violations
• Defamation, libel, slander
• Dissatisfied client
• Emotional distress
• Negligence
• Personal injury
• Third-party property damage
• And much more

PROFESSIONAL LIABILITY (PL) 

Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.

GENERAL LIABILITY (GL) 

Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel. 

PL CLAIM EXAMPLE 

Negligence: You advise a client to purchase a particular style of ramp for disabled individuals that you believe meets ADA standards. Turns out you were wrong, as the ramp has been outdated for some time. Professional liability insurance protects against claims of negligence and will appoint an attorney to defend you, if needed, even if you haven’t made a mistake. 

GL CLAIM EXAMPLE

Property damage: You are a building inspector who has been hired to inspect a renovation project in an office building. Part of the building is occupied. While passing through the occupied section of the building, you inadvertently knock an expensive vase off a table in a lobby area. General liability insurance protects against third-party property damage and would cover the cost to replace the item.