Errors & Omissions ยท Architects & Engineers
Architects and engineers E&O for the firms that stamp the drawings.
Professional liability for engineers, architects and surveyors, with pollution, cyber and mitigation cover written in. Placed with domestic and international underwriters, including Lloyd’s.
Domestic and international underwritersFor an instant quote
Who we write
Design professionals, from sole practitioners to multi-discipline firms.
The program uses a dedicated Architects & Engineers wording. Pollution, cyber, media and mitigation cover sit inside the main limit, not as bolt-ons.
Deductible credits reward clients who mediate and who cap their liability in contract.
- Civil engineers
- Structural engineers
- Electrical engineers
- Mechanical engineers
- Architects
- Surveyors
Applications and fact sheet
Download what your client needs to sign
- Architects & Engineers applicationPDF, fillable
- E&O renewal applicationPDF, fillable
- Architects & Engineers E&O fact sheetPDF, one page
Competitor applications are fine. Email any of them to submit@approvedcasualty.com.
Coverage
What the Architects & Engineers wording covers
Five insuring agreements sit inside the main policy limit. Additional coverages and their sub-limits are listed below.
Inside the main policy limit
- Professional liability, including pollution incidents
- Contractor's pollution liability
- Cyber liability
- Media and personal injury liability
- Mitigation costs to fix a known problem before it becomes a claim
Extensions and sub-limits
| Coverage | Limit |
|---|---|
| Cyber security breach response costsMaximum aggregate | $100,000 |
| Disciplinary, regulatory or administrative expensesEach proceeding | $50,000 |
| Loss of documents | $100,000 |
| Payment of withheld fees | 50% to $25,000 |
| Practice review program costsPrograms run to provincial society guidelines | 50% to $5,000 |
| Lost earnings while attending trialWhen underwriters ask the insured to attend | $250 / day |
Sub-limits in CAD. They sit within, not on top of, the policy limit.
Built into every policy
- Defence costs paid on top of the limit*
- Duty to defend, even on groundless claims
- Worldwide territory; US exposure up to 20%
- 60 days after expiry to report a claim
- Retro date and prior acts kept on rollover
- Optional CGL to package the account
*Cyber liability claims and US-jurisdiction claims pay defence within the limit.
Deductible credits
Cut the deductible 50% (up to $25,000) when a claim settles through mediation, or when the contract caps the firm’s liability at $250,000 or less. When both apply, the reduction is up to $40,000.
How placement works
From submission to bound, without the back-and-forth.
1
Start the quote
Enter the risk at quote.approvedcasualty.com, upload last year’s policy, or email the application to submit@approvedcasualty.com. Competitor applications are fine.
2
See the indication
Standard risks price on screen in about 60 seconds. Accounts that need a closer look go to an underwriter, with terms back within 48 hours.
3
Place it with our team
You get the completed application to forward to your client. Our underwriters follow up with you, not around you.
Program at a glance
- Limits
- Up to $5M
- Minimum premium
- $515
- US exposure
- Up to 20%
- Form
- Claims-made, worldwide territory
- Security
- Domestic and international underwriters, including Lloyd's
- Wording
- Architects & Engineers E&O wording
Outside this appetite?
Safety engineering, home inspection, occupational health and safety consulting, and construction professional services with wrap-up exposures sit outside this program. Our Hard-to-Place Facility writes many of them.
FAQ
Architects & Engineers E&O questions brokers ask
Is pollution covered?
Yes. Professional liability includes claims arising from pollution incidents in the performance of professional services, and contractor's pollution liability is a separate insuring agreement inside the main limit.
What is mitigation cover?
It pays reasonable costs to investigate, avoid or reduce a problem the insured discovers during the policy period, before it turns into a claim. Underwriter consent is needed before costs are incurred where practical.
How do the deductible credits work?
The deductible drops 50%, up to $25,000, when a claim is resolved through mediation, or when the contract limits the firm's liability to $250,000 or less. If both apply, the maximum reduction is $40,000.
Can I package CGL with the E&O?
Yes. Optional CGL is available so you can place both lines in one submission.
What size of account can you write?
Limits go up to $5M, with US exposure up to 20%. Standard risks quote on screen in about 60 seconds. Larger or unusual accounts go to an underwriter, with terms back within 48 hours.
Got a design firm to place?
Standard risks quote in about 60 seconds. Our application or the incumbent’s, any way you like to send it.
Other E&O programs
This page summarizes coverage for broker information only. Coverage is subject to the policy wording, terms, conditions, exclusions and underwriting acceptance. Limits and sub-limits in CAD; sub-limits sit within the policy limit.