Our experienced underwriters can deliver a liability program that effectively addresses professional and environmental risk along with a strong commitment to risk management and responsive claims service.

Coverage 

• Professional liability arising out of any act, error or omission in rendering or failure to render professional services
• Contractors' pollution legal liability (CPL) coverage  for pollution conditions arising out of the performance of or failure to perform contracting services; available on either a claims made or occurrence coverage trigger subject to underwriting eligibility
• Contractual liability pollution condition protection for liability assumed under a contract or agreement that is an insured contract, including action-over protection
• Property damage includes natural resource damage
• ADA/FHA/OSHA regulatory or administrative actions reimbursement extension - $30,000 per policy period
• Defendants' reimbursement extension - up to $500 per day, subject to a maximum of $10,000 per claim
• Disciplinary proceedings reimbursement extension -$10,000 per policy period
• Reputation management reimbursement - up to 50% of the first $30,000 in expenses per policy period
• Automatic additional insured protection under CPL coverage for clients when required by a written agreement
• Blanket waiver of subrogation provision for clients of the insured as required by contract
• Broad definition of insured - includes insured's participation in joint ventures
• Automatic 60-day coverage for acquired entities
• Innocent insured provision  

Environmental Liability Coverage Enhancements 

• Pollution condition resulting from transported cargo - goods, products or waste transported by a carrier properly licensed to transport such goods, products or waste (includes loading / unloading of cargo);
• Named Insured location pollution condition - on, at, under or migrating from a scheduled Named Insured location for pollution conditions that is sudden and accidental and first commences during the policy period and finally ends within seven (7) consecutive days from its first commencement; and
• Pollution condition at a non-owned disposal site (NODS) - for waste or material generated by the performance of contracting services or originating from a scheduled named insured location on, at, under or migrating from a non-owned disposal site 

Technology/Privacy Liability Coverage Enhancements:

• Negligent act, error or omission or unintentional breach of contract for technology based services (web hosting /computer and software system installation / integration) and/or technology products (hardware / software developed for a 3rd party)
• Computer network security-including transfer of malicious code to a 3rd party
• Copyright infringement
• Privacy liability

Beazley's Value-Added Services Include:

• Pre-claims assistance
• Mediation deductible credit-insured's deductible reduced up to 50%of each claim up to $25,000
• Proactive claims management through experienced environmental/construction lawyers
• Risk management: live quarterly webinars, quarterly newsletters, dedicated online content

Key Territories

Worldwide

Size/Definition

US domiciled firms providing environmental and engineering services/operations to a diverse client base. Primary focus is on privately held firms with gross revenues up to $100M 

Target market

Engineering, consulting, project management and contracting/remediation firms generating more than 50% of gross revenues in providing environmental services 

Limits

Up to US $20,000,000