What we offer

  • Protection for owners and developers in the event that a liability caused by either a negligence on the part of the design team or from a pollution event caused by a contractor is not covered by, or is greater in value than the limit of the insurance carried by the designer or contractor. 
  • Third party contractors pollution liability cover for pollution conditions caused by the developer’s contractors. 
  • Third party professional liability arising out of any negligent act, error or omission by the developer’s own design team. 
  • Supplementary payments coverage with US $25,000 aggregate limit for: 
  • Defendants reimbursement 
  • Disciplinary/regulatory/administrative actions reimbursement 
  • Reputation management reimbursement 
  • Bankruptcy of a design professional or contractor 
  • Subpoena expenses.   


Coverage enhancements  

  • Nil self-insured retention included as standard for professional and pollution protective claims. 
  • Pollution coverage extends to liability for transportation and non-owned disposal sites. 
  • Clear policy wordings to explain the triggers for the cover, including: 
  • The unavailability of the underlying policy through the breach of a policy condition The erosion, partial or complete, of the underlying policy through unrelated claims 
  • Situations where the underlying policy has not been maintained. 
  • Policy provides cover to the developer where their loss exceeds the limitation of liability cap in the contract with their design professionals and contractors. 
  • Automatic extended reporting period when required. 

Maximum policy periods  

Up to 10 years, including the extended reporting period. 

Up to US $10,000,000 

How can we help

The construction industry is like no other. Its insurance needs are distinct and unusual. That is why Beazley has an integrated team of underwriters and claims specialists who understand the professional liability needs of developers and owners of construction projects. We have utilised three decades of experience in insuring architects and engineers undertaking some of the world’s very largest and most complex construction projects to tailor ‘DevelopPro’ to meet the needs of a project owner.

background line

The Beazley Difference


Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.


Good is a start, but we go all-out for better.  A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond.  Simply put, at  Beazley we go to 11.  


Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team.  Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

HVAC Contractor  

The insured was employed to design and install a ventilation system in an industrial soup kitchen. The insured hired a sub-contractor to design the system. As part of the cooking process, industrial sized kettles are used. It was alleged that the steam being created by the kettles was not being vented correctly, causing condensation to form which was then dripping back in to the kettles. This presented a health concern and reduced operational capacity from 4 cooking units to 2 cooking units. As the sub-contracted design engineer did not carry E&O, the insured was held legally responsible under the vicarious liability provision of the policy and had to pay the damages. 

Electrical Contractor  

A contractor was retained by a project owner to provide a constructability review of prepared plans and specifications, and to perform a value engineering analysis for construction of a hospital. The contractor determined from the review that the power system was undersized. The contractor recommended changes to the system which the project owner rejected due to cost. The system was undersized causing outages throughout the hospital. The hospital alleged that the contractor was responsible for the lack of power because it had failed to properly warn the owner of the consequences of an under-designed system. The contractor was held to be partially liable for failing to warn the hospital of these issues. 

Your Beazley Team


James DeDonato

James DeDonato
Claims Managers

James DeDonato

Claims Focus Group Leader - Large Risk A&E

Farmington, CT, USA

+1 860-674-3930 Email James DeDonato View profile