Architects & Engineers Errors & Omissions Insurance — Ontario, Canada

Customized Premium Options Tailored to Your Specific Risk Profile

Affordable Professional Liability Coverage Cost for Engineers & Architects

We offer Errors & Omissions (E&O), Commercial General Liability (CGL), and Property (Contents) coverage. We provide a QUOTE and issue the policy on the SAME DAY to most Architects & Engineers.

What is Professional Liability Insurance?

Professional Liability or Professional Indemnity (also called Errors and Omissions, or E&O) protects your business from claims of financial loss resulting from omissions, errors, performance failures, or the failure of your work. Premiums are based on the type of work undertaken by you, your loss history, your experience, and your billings, including any specialty or niche areas where you consult and work. Your Architects and Engineers Professional Liability Insurance annual premium commitment is tailored specifically to your firm's revenue and liability exposure.

Why Do Architects and Engineers Need Professional Liability Insurance?

Architects & Engineers Errors and Omissions Insurance—also referred to as Professional Liability Insurance (PLI)—protects engineers, architects, and building design firms against professional negligence, error, or omission claims. Any engineer, architect, or engineering firm professional (even the best), regardless of the service they offer, can never escape the possibility that their service may fail to meet their client's expectations. In today's litigious environment, even one dissatisfied client can place a professional's career and personal assets at risk. Having Professional Liability (Errors & Omissions) insurance also reassures the client that you have the business experience and professionalism needed to secure the coverage.

Why is General Liability Alone Not Enough for Architects and Engineers?

General Liability covers your business against claims of bodily injury or property damage to others (for example, your client). Commercial General Liability does not provide coverage for professional errors, professional liability matters, or any other contract performance disputes. Architects, engineers, building designers, and other firms who have General Liability only, without Professional Liability (Errors & Omissions Liability) coverage, are taking a serious risk.

Why Deal with Us for Professional Liability Insurance?

Our brokerage specializes in Professional Liability for architects, engineers, building designers, and other professional firms in Ontario, Canada. We offer Errors & Omissions (E&O), Commercial General Liability (CGL), and Property (Contents) coverage at excellent rates. Our programs for architects and engineers protect firms offering architectural, engineering, structural, environmental, land surveying, or landscape architectural services against claims or allegations of professional negligence on the part of the business owner or the firm’s employees.

Eligibility

Our policy is available for firms providing professional services, including architectural, engineering, land surveying, project management, and landscape architectural services.

Coverage Details

• Policy Form – The insurance is written on a claims-made basis with full coverage for prior acts.
• Policy Period – Annual and multi-year policies are available.
• Capacity – Limits up to $50,000,000.
• Territory – Services rendered and claims made anywhere in the world.

Policy Features

• First-Dollar Defense Coverage – The deductible does not apply to defense costs.
• Full Retroactive Coverage
• Split Damages Deductible
• Broad Definition of Named Insured – Includes contract employees and employees on loan from other firms.
• Broad Definition of Professional Services
• Design-Build Coverage
• Equity Interest Coverage – Where the insured’s interest does not exceed 10%.
• Joint Ventures – Coverage extended to joint ventures with other design professionals.
• Disciplinary Coverage
• Pollution Liability Coverage
• Occupational Health and Safety Act Defense Coverage
• Loss of Documents Coverage
• Difference in Limits and Conditions Coverage – Applies to separately insured projects.
• Non-Cancellable Coverage
• Defense Assistance Reimbursement

Additional Coverages Available

• Breach of Confidentiality Coverage
• Libel and Slander Coverage
• Employment Practices Liability – Wrongful act liability coverage endorsement available for firms of any size.
• Directors and Officers Non-Profit Extension
• Retirement Program – Tailored for sole practitioners of design firms.

We Are Also Able to Insure:

• Building Designers (Bill 124)
• Certified Engineering Technicians
• Design Manufacturing / Fabrication
• Environmental Consultants
• Single-Project Coverage
• Design-Build Firms
• Construction Contractors
• Construction Managers
• Project Managers
• Land Surveyors
• Management Consultants

Specialized Engineering Disciplines Covered:

• Acoustical Engineering
• Chemical Engineering
• Electrical Engineering
• Environmental Engineering
• Forensic Engineering
• Geophysicists
• Hydrogeologists
• Geotechnical Engineering
• Health & Safety Consulting
• Industrial Process (Oil & Gas)
• Industrial Process (Pulp & Paper)
• Laboratory / Material Testing
• Nuclear Engineering
• Structural Engineering

Professional Liability Insurance for Architects & Engineers