We've updated our guidelines for condominium projects. Here is a quick rundown for each A&E segment: 

• For Small Firms, guidelines remain unchanged---firms with no more than 10% of billings represented by condominium work over the most recent reporting period are eligible for Small Firms; firms that do not meet this guideline can be considered for coverage in the Premier program.
• For many of our insureds, we will no longer require the condominium supplemental application. In general, we will continue to require the supplemental application for accounts with high severity losses and some frequency related to condominium claims. In particular, we will require the supplemental for firms with two or more condominium related claims and a total loss ratio in excess of 70%.
• The use of written contracts is an important tool in defending any claims made against a design professional and is particularly important with condo claims given their nature and complexity. **If written contracts are not used on condo projects a surcharge will apply.
• Firms in our Landscape Architects, Land Surveyors, Specialty Construction Consultants and Environmental Consultants programs can generally anticipate receiving minimal or no surcharge for their condominium projects unless they comprise 50% or more of the firm’s billings.