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Architects, Engineers,
Surveyors &
Consultants News
General Liability Enhancements
We've made significant upgrades to our general liability policy for architects, engineers and surveyors.
The numerous enhancements – offered by endorsement – broaden coverage in many areas of the policy.
- Additional Insured is extended to include the following when required by written contract or agreement: State or Political Subdivision- Permits Relating to Operations or Premises; Controlling Interests; Managers or Lessors of Premises; Mortgagee, Assignee or Receivers; Owners or Other Interests From Whom Land Has Been Leased; Co-owners of Insured Premises; Lessors of Leased Equipment; Engineers, Architects or Surveyors Engaged by You; and Executors, Administrators, Trustees or Beneficiaries.
- Employees as Insureds-Health Care Services extends incidental malpractice coverage for employees or volunteer workers who provide a health care service.
- Joint Venture/Partnership/Limited Liability Coverage provides contingent coverage for the Named Insured’s interests in past joint ventures, partnerships or limited liability companies. Also extends coverage for direct and vicarious liability arising out of the Named Insured’s participation in a current joint venture that is not named on the Declarations when such joint venture meets certain criteria.
- Expanded Personal and Advertising Injury broadens coverage to include discrimination or humiliation not employment or housing related.
Medical Payments are increased to $15,000 with a reporting period up to three years from the date of accident.
- Legal Liability and Borrowed Equipment expands coverage to encompass property damage to premises rented by the Named Insured with limits increased to $300,000 on an ‘all risk’ basis; Property Damage-Borrowed Equipment provides limited coverage for borrowed tools or borrowed equipment if they are not being used in operations at the time of the loss.
- Non-Owned Watercraft is expanded to include watercraft up to 75 feet.
- Non-Owned Aircraft is covered if chartered with a flight crew.
- Contractual Liability Coverage for Personal and Advertising Injury eliminates the contractual liability exclusion from personal injury and advertising injury cover.
- Enhanced Supplementary Payments are increased to $1,000 per day for loss of earnings and $3,000 for bail bonds.
- Liquor Liability Coverage is available with exclusion deleted.
- Broad Named Insured / Newly Formed or Acquired Organizations provides broadened Named Insured coverage and extends notification time for newly formed or acquired organization to the end of the policy period or next anniversary of its inception date, whichever is earlier.
- Liberalization Clause means coverage improvements will automatically apply to this policy for no additional premium.
- Unintentional Failure to Disclose Hazards will not penalize policyholder for inaccurate information provided to us unintentionally.
- Notice of Occurrence will not penalize the policyholder if insured fails to notify us of an occurrence, offense, claim or suit and that failure is solely due to insured’s belief that there is no coverage afforded by our policy.
- Broad Knowledge of Occurrence extends the requirement to notify us of an occurrence that might result in a claim, until someone of authority becomes aware of it.
Aggregate Limits Per Project applies the General Aggregate Limit separately to each project.
- Expanded Bodily Injury extends the definition of “bodily injury” to include mental injury or mental anguish resulting from bodily injury, sickness or disease.
- Expected Injury arising from the use of reasonable force to protect persons or property is covered for bodily injury and property damage.
- Wrap–Up Extension provides coverage for consolidated (wrap-up) insurance to the extent the coverage available under the GL policy is broader in scope than the coverage provided under a consolidated (wrap-up) insurance program (coverage does not apply to consolidated (wrap-up) insurance programs for multifamily housing).
- Contractual Coverage for Railroads covers contractual liability for operations performed within 50 feet of railroad property.
- Blanket Waiver of Subrogation waives our right of recovery if the insured has waived such rights in writing prior to the loss.
- In Rem Actions clarifies when actions in rem will be treated in the same manner as in personam.
Retired Partners, Members, Directors, and Employees covers retired partners, members, directors and employees for work they performed for the Named Insured.
- Fellow Employees Bodily Injury Coverage – First Aid covers employees for liability arising out of first aid administered to fellow employees.
- Extended Additional Insureds extends coverage to certain other individuals or organization related to the Additional Insured.
- Boats are expanded to include owned boats less than 30 feet while being used for inspection and surveying work.
- Aggregate Limits Per Location applies the General Aggregate Limit separately to each location.
If you have questions, or would like a quote, please contact Corrine Nunley at 301-961-9819 or Corrine.Nunley@Schinnerer.com
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