Archive for Design
Architects and Engineers
This coverage protects individual architects, engineers, architectural firms, and engineering firms against allegations of damages due to their professional negligence. The professional qualifications of principals, details of staff organization, and types of work performed are important underwriting and rating considerations. Coverage is written on a claims-made basis and is usually subject to high deductibles.
Builders risk coverage forms insure buildings and other structures under construction. They are available for a single structure or multiple structures. Premiums can be paid at inception or be based on a deposit premium and periodic reports of value accompanied by premium payments. Coverage is usually for “all risk” perils or causes of loss and may also include earthquake, flood, and broad form collapse. Endorsements are used to broaden, limit, or customize coverage as needed. Deductibles are required. Coverage for design may be purchased separately and includes damage to a building that results directly from an error in its design. It is written as standard builders risk coverage but has an additional charge for design error coverage, which is subject to its own deductible.
Contractors Design and Build (Project Managers)
The design and build concept of construction contracts consists of a contractor and architect under the construction firm’s management being responsible for the project from its inception through the design process, during construction, and until it is completed. The construction firm may have its own design capability, own a subsidiary design firm, or hire an independent architect and engineering firm. One important feature of this coverage is professional liability for the construction firm that has both design and build functions.
Engineers Professional aka Architects and Engineers Professional Liability
Engineers Professional aka Architects and Engineers Professional Liability”,”
This coverage protects individual architects, engineers, architectural firms, and engineering firms against claims for damages that arise from providing or failing to provide professional services caused by an error, omission, or negligent act. It is usually subject to high deductibles and is written on a claims-made basis by.
Golf Course Architects
Golf course architects are involved in the construction of most new and reworked golf courses in the country. Their teams combine the talents of engineers for drainage issues, horticulturists for choice of plant material, and landscape architects for the design and construction elements necessary in this narrow specialty.
Interior Designers Professional Liability
This professional liability insurance covers negligent acts, errors, or omissions that interior designers commit while providing their professional interior design services. It applies to liability for errors and omissions that arise from advice given to clients on proper decor for building interiors, office layouts, and dwellings. Claims-conscious clients may sue an interior designer if any advice or work performed leads to actual or alleged financial loss.
Internet Home (Web) Page Designers E&O
Many businesses have established themselves as specialists in computer website design and consulting. These companies serve small businesses and help them market their products on the Internet. Other services provided include process reengineering, networking, and technical writing. Insurance package policies have been developed that cover personal injury liability, including libel, slander, copyright, and trade slogan infringement stemming from electronic communication of information or unauthorized access to a website. They may also cover loss or damage to computer equipment or media and data from vandalism or computer virus, and protection of customers’ funds fraudulently withdrawn electronically.
Irrigation Designers E&O
Irrigation is an increasingly necessary component in nearly every kind of development, regardless of location. Designs include parks, commercial locations, office parks, athletic fields, stadiums, golf courses, and private residences. Subspecialties of irrigation design include drip irrigation, surface, sprinklers, turf, and agricultural irrigation. Common errors and omissions claims include landslide due to oversaturation; problems with plant growth; and other soil-specific situations. A new area of exposure is that of green buildings that incorporate rooftop gardens.
Land Surveyors Professional Liability
This coverage protects land surveyors against claims that allege negligent acts, errors, or omissions in performing their professional duties as land surveyors. Errors made in judgment or mathematical computations, particularly in establishing boundaries of properties, may result in serious financial losses to the surveyor’s client. Detailed applications are required.
Landscape Architects Professional Liability
Landscape architecture combines the talents of plant selection (horticulture), drainage (engineering), and structure (architecture) with diminished exposures of both planning and irrigation. Landscape architects are licensed in most states and most universities offer graduate level degrees in this specialty. Design exposures include playgrounds, tot-lots, residential and commercial common areas, parks, and upscale residential properties. Landscape architects usually provide construction documents and may offer construction management services. They operate as either design-only firms or as part of a design/build landscape contractor firm.
Photographers & Videographers E&O
This professional liability insurance covers errors, omissions, and negligent acts of commercial photographers. Such acts include taking pictures the client did not want taken, not taking pictures the client did want, misdelivery or non-delivery of proofs and finished photos, and damaged memory cards. Coverage may apply to invasion of privacy or other personal injury risks.