Architects and engineers are integral in ensuring the successful design and implementation of all development projects, and, as a result, are exposed to considerable risks. ENCON’s professional liability insurance program for architects and engineers protects firms offering architectural, engineering, 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.

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

• Policy Form – The insurance is written on a claims-made basis with full coverage for prior acts
• Policy Period – Annual and multi-year policies
• Capacity – Limits up to $25,000,000
• Territory – Services rendered and claims made anywhere in the world

• First dollar defence coverage (deductible does not apply to defence costs)
• Full retroactive coverage
• Split damages deductible
• Broad definition of named insured (including 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 with other design professionals
• Disciplinary coverage ($15,000 sublimit)
• Pollution liability coverage
• Occupational Health and Safety Act defence coverage ($15,000 sublimit)
• Loss of documents coverage ($15,000 sublimit)
• Difference in limits and conditions coverage for separately insured projects
• Non-cancellable coverage
• Defence assistance reimbursement ($20,000 sublimit)
• Breach of confidentiality coverage
• Libel and slander coverage

• Commercial Umbrella Liability New!
• Security and Privacy Liability Coverage Endorsement New!
• Employment practices wrongful act liability coverage endorsement available for firms with less than 50 employees
• Directors and officers non-profit extension
• Retirement program for sole practitioners of design firms

• A completed ENCON Architects and Engineers in Private Practice application form (Form 1 or Form 2) *
• Guidelines for the completion of A&E application forms 1 and 2
• All applications must be submitted to ENCON through a licensed insurance broker

* Please note that there are separate application forms for quotes on new submissions and for renewals.

Professional Liability & Construction