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Architects and Engineers

Introduction
Our program provides broad cover for a wide range of professional consultants at competitive terms. The Architects and Engineers field is divided into four main areas:
  • General practice


  • Design & build (including first-party cover)


  • Excess


  • Bill 124 (Ontario Only)

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General Practice
Designed for general consulting practices including:

  • Architects


  • Technologists


  • Technicians


  • Surveyors


  • Project


  • Managers


  • Interior


  • Designers


  • Landscape


  • Architects


  • Quantity


  • Surveyors


  • Drafting


  • Hydrologists


  • Geologists


  • Testing Laboratories

Coverage Features:

  • $5,000,000 in-house limit (higher limits also available)


  • Broad claims-made wording


  • World-wide territory, excluding USA jurisdiction (available if there is a nominal exposure)


  • Four extensions included at no additional premium:
    • Loss of documents ($100,000 sub-limit, $1,000 deductible)


    • Libel and slander extension


    • Breach of copyright extension


    • Dishonesty of employees extension
  • Minimum premium $2,500


  • Insured by Underwriters at Lloyd's

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Design & Build
Designed for:

  • Construction firms with in-house design staff


  • Architectural or engineering firms that have construction capabilities (either in-house or through related companies)

Coverage Features:

  • $5,000,000 in-house limit (higher limits also available)


  • Broad claims-made wording including first party coverage (if during construction the Insured discovers a design error, they can make a claim against their own policy, thereby decreasing the possibility of litigation because the problems are rectified before the owner would bring suit against the consultant) Also covers design work done on projects where the Insured is not constructing World-wide territory, excluding USA jurisdiction (available if there is a nominal exposure)


  • Minimum Premium $2,500


  • Insured by Underwriters at Lloyd's

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Excess
Designed to provide higher limits over the mandatory provincial programs

Coverage Features:

  • $5,000,000 in-house limit (excess is available)


  • Follow-form claims-made wording

Optional Coverage:

  • Interlock Endorsement — to provide a drop down feature over a reduced underlying limit on the mandatory insurance plan for Architects in Ontario


  • Minimum Premium $2,500


  • Insured by Underwriters at Lloyd's

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Contact Us
For more information on our program, including new inquiries, renewal and changes to in-force business, please contact:

  •  Dave Alexander in our Toronto office dalexander@elliottsr.com
  •  Nisha Fernandes in our Toronto office nfernandes@elliottsr.com
  •  Cathy MacPherson in our Toronto office cmacpherson@elliottsr.com
  •  Sheron Metcalfe in our Toronto office smetcalfe@elliottsr.com
  •  Lynda Houle in our Montreal office lhoule@elliottsr.com
  •  
    For certificates of insurance, please contact:
     
  •  Kelly Azzopardi in our Toronto office kazzopardi@elliottsr.com
  •  Dora Mastrodomenico in our Montreal office dmastro@elliottsr.com
  •  
    Our E&O programs are available through the local insurance broker of your choice. We can suggest a suitable local insurance broker if required.

    The information in this web site is intended to be general in nature and should not be construed as specific recommendations, nor as a substitute for the advice of a professional insurance broker who is familiar with a client's particular exposures or circumstances.

    The coverage summary should not be construed as an insurance policy of the interpretation of an insurance policy.

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    Market Security - Architects and Engineers Program
     
    Carrier Interest
     
    Syndicate 3000 at Lloyd's 100%
    Rated A- (Excellent) by A.M.Best
    Rated A (Strong) by Standard & Poor's

    As a Lloyd's Syndicate, Markel Syndicate 3000 also attracts the ratings of the Lloyd's market as a whole and its policyholders benefit from the additional security of the Lloyd's central fund.

    The ratings applicable to the Lloyd's market were as follows: A.M. Best: A (Excellent)
    Standard & Poor's: A (Strong)

    More information on this carrier is available at www.markelintl.com

    More information on Lloyd's of London is available at www.lloyds.com
     
    Total100%
     
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    To Report A Loss To This Program
    Because of the highly specialized nature of our coverage, please report any claims, actions or suits directly:

    email: claims@elliottsr.com

    Elliott Special Risks LP
    130 Adelaide Street West, Suite 810
    Toronto, ON M5H 3PS
    Attn: Claims Department

    Tel: (416) 601-1133 x2275
    Toll-free: (800) 223-8858 x2275
    Fax: (416) 601-1150*
    * Please send all faxes to the attention of the Claims Department

    The reporting condition of the policy requires that you report to the insurer any incidents which might give rise to a claim, even though no such claim has yet been received.

    Liability claims for this class of business may often follow months or years after the event itself. Failure to report an incident promptly may jeopardize the insurers investigation and defence of a subsequent legal action. To avoid the risk that individual losses may be denied as a result of late reporting, we would encourage you to report all such incidents promptly.

    Please note that if your policy is written on a claims-made form, the policy contains certain restrictions that limit the reporting of losses after the policy has expired.

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    Architects and Engineers

    Introduction
    General Practice
    Design & Build
    Excess



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