Property Casualty Highlights

By providing your clients with a broad, all-encompassing insurance program, you may be able to retain your business insurance clients more easily.

As the construction industry expert, we can help you get up and running. Contact an underwriter today. They can help you work out a plan to begin cross-selling this important coverage to your clients. Our P/C coverage is available to A&E firms, construction management firms, surveyors, specialty construction consultants, and environmental consultants.


Availability: All states except AK and HI. 

Target Risks:
Design professionals including architects, engineers, land surveyors and landscape architects.  

Policy features 

  • Comprehensive property and casualty coverage for specific business exposures, such as:
    • Computer equipment - $50,000 with option to increase
    • Laptops and cell phones on a worldwide basis with property extension SB 300177B
    • Valuable papers/media - $100,000 with property extension
    • Accounts receivable - $100,000 on premises with property extension, $25,000 off premises
    • Business property off premises (including business property at residence of employees)
    • Back-up of sewers or drains - Optional
    • Blanket additional insured and waiver of subrogation including products and completed operations on BOP
  • New policy enhancements:
    • We now provide contractual liability coverage for work performed within 50 feet of a railroad if professional liability written includes pollution coverage
    • We've included the most frequently requested type of additional insureds and the coverage for them is triggered automatically - so you don't need a separate endorsement each time you're asked to cover an additional person 
    • Additional insured coverage for clients and project owners is triggered by the contractual requirements and includes the following when specifically required:
      • Products and completed operations
      • Primary or primary and non-contributing
      • Waiver of subrogation
    • The aggregate applies on a per project basis so you have the full benefits of the policy at each project if professional liability written includes pollution coverage
    • Eliminates contractual liability exclusions from personal injury and advertising injury coverage 

Additional Resources

Architects & Engineers P/C-BOP Endorsement

Availability: The policy form is currently approved in all states and the District of Columbia, except AK and HI. Adding the endorsement costs $75.00 or 5% of the overall BOP premium, whichever is greater. 

Your clients' contracts frequently require you to carry GL coverage that

  • Includes primary and non-contributory wording
  • Includes a blanket waiver of subrogation
  • Adds an owner, contractor or other entity as an additional insured

The BOP Blanket Additional Insured Endorsement with Products-Completed Operations Coverage & Blanket Waiver of Subrogation includes all of these things and more.

Blanket Convenience
The Blanket Additional Insured Endorsement eliminates the hassle of adding additional insureds to the policy manually. With the endorsement, coverage is extended to parties through a contractual agreement. In addition to eliminating hassle, the blanket form also eliminates the charge for each and every additional insured that are required to be included.

Broader Coverage Many endorsements limit additional insured coverage to liabilities resulting from "ongoing operations." However, the Schinnerer endorsement provides broader coverage for "work" performed, extending coverage to claims made after the work is completed.

Additional Resources:

  • General Liability Insurance Guide. Managing the risks of commercial general liability coverage is important. The first step in managing CGL risks is to understand the coverage. Understanding Commercial General Liability Coverage gives you a general overview, plus specific examples and risk management tips.
  • Property Insurance Risk Guide.The Guide to Understanding Property Insurance provides you a general coverage overview, claims prevention information and the answers to frequently asked questions about coverage.
  • BOP FAQs

Commercial Auto 

Target Risks:  Design professionals including architects, engineers, land surveyors, landscape architects and other specialty consultants. Also included (with the exception of small business): project delivery methods such as design-build, joint venture, construction management services, and traditional design-bid-build

Availability: All states and the District of Columbia, except AK and HI.

Policy features:

  • Comprehensive deductible minimum - $500
  • Collision deductible minimum - $500
  • Single limit - $1,000,000
  • Endorsement available to provide coverage extensions

*Policy details vary by state. Extended coverage endorsement is not available in all states. 

Inland Marine

Availability: All states and the District of Columbia, except AK and HI.

Target Risks: Design professionals including architects, engineers, land surveyors, landscape architects and other specialty consultants. Also included (with the exception of small business): project delivery methods such as design-build, joint venture, construction management services, and traditional design-bid-build

Policy features:

  • Coverage is offered as part of the BOP and TCPP
  • Comprehensive property and casualty coverage for specific business exposures, such as:
    • Valuable papers/media up to $100,000
    • Accounts receivable up to $100,000 on premises and $25,000 off premises
    • Surveyors equipment, scientific instruments, replicas, models, sculptures and drawings, including fine arts
    • Business property off premises up to $25,000
    • Computer equipment
    • Laptops and cell phones on a worldwide basis

Commercial Package Policy (TCPP)

For design/build, large and complex firms

Target Risks: Large design/build firms. Design professionals including architects, engineers, land surveyors, landscape architects and other specialty consultants. Also included (with the exception of small business): project delivery methods such as design-build, joint venture, construction management services, and traditional design-bid-build. 

Availability: All states and the District of Columbia, except AK and HI.

Policy features:

  • Comprehensive property and casualty coverage for specific business exposures, such as:
  • Computer equipment - included; subject to applicable business personal property limit; covered causes of loss apply
  • Laptops and cell phones
  • Business property off premises - $25,000
  • Valuable papers and records - $100,000
  • Accounts receivable - $100,000 on premises; $25,000 - newly acquired locations; temporary locations or in transit
  • Back-up of sewers or drains - $25,000 
  • Property Extensions Package is available to increase coverage; must be purchased by endorsement for an additional cost
  • Additional limits available for purchase
  • Also see our TCPP Frequent Asked Questions.

Umbrella Coverage

Umbrella coverage is supplemental insurance coverage that is designed to give the insured an extra level of protection. So when the primary limits of a policy are exhausted, the umbrella policy takes over to cover the extra cost.

Why do I need umbrella coverage?
A lawsuit judgement or a claim may exceed your underlying liability coverage's limits. If this were to happen, you may be at risk for losing your personal assets. An umbrella policy will give you more coverage above the limits of your current policy, giving you more protection. If any large claim arises, your umbrella policy will take care of it by increasing your limits.

Availability: All states and the District of Columbia, except AK and HI.

Target Risks: Design professionals including architects, engineers, land surveyors, landscape architects and other specialty consultants. Also included (with the exception of small business): project delivery methods such as design-build, joint venture, construction management services, and traditional design-bid-build 

Policy features:

  • Minimum premium in most states: $500
  • Limits: 5,000,000 limit of liability/each occurrence, policy limit $5,000,000
  • Additional limits available for purchase

Also see our Frequently Asked Questions about P&C coverage.
Also see our TCPP Frequent Asked Questions.

Workers' Compensation

Availability: All states and the District of Columbia, except AK and HI.  

Target Risks:
Design professionals including architects, engineers, land surveyors, landscape architects and other specialty consultants. Also included (with the exception of small business): project delivery methods such as design-build, joint venture, construction management services, and traditional design-bid-build 

Policy features: Limits of employer's liability: $100,000 each accident; $500,000 disease policy limit; $100,000 disease each employee; higher limits are available.

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