PROFESSIONAL LIABILITY

Architects and Engineers:

• Limits of Liability up to $5mm, with easy access to higher if required
• Worldwide coverage available.
• Can easily be complemented with Commercial General Liability product from same insurer.
• Broad claims-made wording.
• Coverage is for firms (not individuals within firms) and all employees for Professional Liability.
• We can consider small one-person designers to large multi-faceted firms.
• Six unique wordings to cover all possibilities:
• Practice Policy. This is the standard Professional Liability wording.
• Design and Build Professional Liability Policy
• Includes prior to hand-over costs
• Product Manufacturer and Suppliers Professional Liability Policy
• For design and manufacturers or those who provide technical advice when supplying. Refer to our Brochure for full details of coverage: Product E&O Brochure
• Single Project Professional Liability Policy
• Similar to Wrap-Up, but for the professionals involved in a project.
• Environmental Consultants Professional Liability
• For professionals involved in phase I, II, III and IV environmental work
• Excess Professional Liability
• Wordings offer the following standard extensions:
• Loss of Documents
• Breach of Professional Confidentiality
• Dishonesty of Employees
• Libel and Slander
• Infringement of Copyright
• Possibility of the following buy back coverage:
• Pollution
• Mould
• Asbestos
• Other extensions available:
• Reimbursement of costs
• Reimbursement of legal fees during disciplinary hearing
• Reimbursement of Occupational Health and Safety Act legal expenses
• Deductible Reimbursement
• Innocent Insured Extension
• Joint Venture Extension
• Asbestos Sub-limit
• Mould Sub-limit
• Extended Reporting Period - Options up to three years or as required by provincial authorities.
• Retroactive date will follow previous carrier.
• Minimum premiums: $1,500
• Commission: 15%

For a more extensive list of risks, please refer to: ARCHITECT & ENGINEERS POSSIBILITIES

Insurance Brokers E&O:

• Limits of $5mm, with easy access to higher if required
• Broad claims-made wording. Coverage is for firms (not individuals within firms) and all employees for Errors and Omissions. Accommodation can be made for individual brokers attaching to a firm.
• Canadian licensed and domiciled Insurance Brokers
• Compliant to all Canadian jurisdiction requirements.
• Wordings offer the following standard extensions:
• Loss of Documents
• Breach of Professional Confidentiality
• Dishonesty of Employees
• Libel and Slander
• Infringement of Copyright
• Retroactive date will follow previous carrier (or as required by provincial regulator).
• Minimum premiums: $1,000
• Commission: Not paid in this class.

Medical Malpractice:

• Limits of $5mm, with easy access to higher if required.
• Can easily be complemented with Commercial General Liability product from same insurer.
• Broad claims-made wording. Policy can be issued to cover the individual medical provider or the company they work for along with the staff.
• Program coverage available.
• Worldwide coverage.
• Retroactive date will follow previous carrier.
• Minimum premiums: $1,000
• Commission: 15%

Refer to extensive list of risks: MEDICAL MALPRACTICE POSSIBILITIES

Miscellaneous E&O:

• Limits of $5mm, with easy access to higher if required
• Can easily be complemented with Commercial General Liability product from same insurer.
• Broad claims-made wording. Coverage is for firms (not individuals within firms) and all employees for Errors and Omissions.
• Program coverage available.
• Worldwide coverage available.
• Wordings offer the following standard extensions:
• Loss of Documents
• Breach of Professional Confidentiality
• Dishonesty of Employees
• Libel and Slander
• Infringement of Copyright
• Possibility of the following buy back coverage:
• Pollution
• Mould
• Asbestos
• Retroactive date will follow previous carrier.
• Minimum premiums: $1,000
• Commission: 15%

Refer to extensive list of risks: MISCELLANEOUS E&O POSSIBILITIES

Bill 124 Liability:

• Limits of up to $5mm.
• Can easily be complemented with Commercial General Liability product from same insurer.
• Broad claims-made wording.
• Compliant to Bill 124 requirements.
• Wordings offer the following standard extensions:
• Loss of Documents
• Breach of Professional Confidentiality
• Dishonesty of Employees
• Libel and Slander
• Infringement of Copyright
• Possibility of the following buy back coverage:
• Pollution
• Mould
• Asbestos
• Retroactive date will follow previous carrier.

FOR ALL PROFESSIONAL LINES:

Professional Lines is a rapidly evolving marketplace - many risks we see haven't been insured before, and some can be a challenge to match cover to. As a result, there is little consistency in the marketplace; in underwriting approach, coverage form or selection practise. We endeavour to provide service of the highest quality. As part of this commitment we promise that:

• You will deal with an experienced underwriter who understands the various professional lines we distribute
• We will make fast decisions and will react when you tell us something is particularly urgent
• We will listen to your feedback and use it to continually improve our service
• We want to be your first and last call for all your Professional Liability placement challenges.
• We are happy to work with other markets application and proposal forms
• Our premiums start at $1,000.00. We offer 15% commission and generally do not levy policy fees.

Claims

We provide claims services from specialty professional claims consultants. Please enquire for specifics by product type.