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Architects & Engineers Professional Liability

Architects & Engineers Professional Liability

The activities of architects, engineers and other design professionals don’t fit into traditional “boxes”. They demand insurance coverage that addresses all aspects of their business.

What we offer

Coverage provided for:

Pollution Liability including Contractor's Pollution
Technology and technology based products
Computer network security
Multimedia and advertising

How can we help

The construction industry is like no other. Its insurance needs are distinct and ever changing. Beazley has a team of underwriters and claims professionals that specialize in the professional liability needs of architects, engineers, contractors and design build firms.

With over 30 years of experience in the architects, engineers and construction space, we have gained a wealth of knowledge and expertise. We have a reputation for exceptional service and an extensive database of information to track claims trends on a global basis.

At the heart of our approach is the in-depth knowledge that our integrated underwriting and claims team has of the construction sector. This combined with the level of empowerment and flexibility allows them to provide bespoke solutions to clients.

Who we can help

A wide range of architectural and engineering practices, including:

Acoustical engineers
Chemical engineers
Electrical engineers
Environmental engineers
Forensic engineers
Geophysicists/hydrogeologists
Industrial process
Laboratory/material testing
Civil engineers
Mechanical engineers
Project/construction management
Landscape architecture
Design/build
Interior design
Architectural services

The Beazley Difference

Expert underwriters with technical backgrounds and hands-on experience in the field
Deep understanding of environmental exposures
A global underwriting team that works collaboratively with brokers and insureds
A focus on complex and hard to place risks
Consistent appetite which is broader than most other insurers
Bespoke policy wordings for the client’s industry and environmental needs
Dedicated claims managers to work with clients throughout the entire claims process

Examples or Scenarios

The insured, a mechanical engineer, was hired to design a heating system for a new residential property being built by the plaintiffs, that they hoped would heat their entire home in an energy efficient manner. When the heating system failed to operate as they had intended, the homeowners brought a claim against the supplier of the system, the building contractors, the architect and the insured engineer. Beazley retained defence counsel for the insured, and after a six-day trial the judge found that the insured engineer had met the standard of care by designing the system to the specifications he was given and was not responsible for the plaintiff’s flawed expectations regarding the system they purchased.

The insured interior design consultants were involved in the renovation of hallways in a condominium building. Due to heavy use, the doors in the building required various repairs. Based on the material of the doors, the insured made a recommendation for restoration and retained a sub-contractor to complete the restoration work on the doors. Unfortunately, once the doors were reinstalled, it became apparent that the restoration had not been successful and that the doors would likely need to be replaced. The condominium corporation brought an action against the insured for damages associated with replacing the doors. We retained defence counsel to defend the insured and to bring a third-party action against the sub-contractor, whose work in restoring the doors was negligent.