For Practice Policies:

• Up to $10 million standard policy limit
  With XL Insurance's Design Professional group, you can select the amount of coverage that best meets your needs. Based on your firm's application, we offer limits of $100,000 to $10 million and deductibles of $0 to $10,000.
• Worldwide coverage
  Our policies apply to claims made against policyholders anywhere in the world.
• Broad coverage definitions
  Our innovative coverage evolves along with the risks faced by engineers. Broad coverage definitions provide flexibility as your practice changes. For example, the definition of "insured" includes predecessor firms and newly acquired firms, and the definition of "professional services" includes the use of BIM or other computer-assisted design technology (refer to policy for specific provisions).
• Broad definition of "claim"
  We do not wait for a formal lawsuit to acknowledge a claim against your policy and act on your behalf.
• Contractor's pollution legal liability
  We offer coverage for pollution conditions claims arising out of the performance of contracting services rendered by or on behalf of our insureds.
• Network security liability
  Design Professional offers protection against claims that arise out of the transmission of malicious code (virus) from the insured's computer network to third-party computers, as well as the corruption, deletion and/or unauthorized use of data on the insured's network.
• Split limits option
  Stretch your coverage with a small premium increase. Per claim "caps" and a larger policy limit guard against a single claim wiping out your protection.
• Cost of defense options
  Protect your deductible from the erosion of high legal fees through our Dollar One Defense, Shared Cost of Defense and Aggregate Deductible options.¹
• Early Warning Program
  From the moment you report a problem, you'll receive expert claim service, in most cases at no charge to your deductible until a formal claim is made.
• Mediation Works!
  Resolve a dispute through mediation and receive up to 75% of your deductible back during the first year (50% thereafter), up to $25,000.
• Credits for practice improvement
  We offer a wide range of insurance credits to clients who take steps to improve their business practices.
• Insurance education credits: Receive an annual premium credit of up to 10%¹ by completing our industry-recognized education programs. Many programs are also approved by the American Institute of Architects Continuing Education System (AIA/CES).²
• Limitation of Liability credits: Qualify for up to a 15% premium credit by using Limitation of Liability clauses in your contracts.¹
• Contractual risk management credits: Well written contracts are the best first defense against claims. If you incorporate at least three of our recommended practices, you'll qualify for a 75% deductible credit (up to $35,000) for claims resolved within one year, or a 50% deductible credit (up to $35,000) for claims resolved after one year.¹
  

(1) Check with your agent or broker for details of program in Canada.
(2) Programs are registered with the national AIA, and units earned by architects are directly reported to the AIA by XL Insurance's Design Professional group. Not all states and licensing boards accept these programs for learning units, and some do not recognize the HSW qualification. 
 
(Note: the outline above provides program highlights only. Please refer to policy language for specific details.)

Design Professional’s Professional Liability Education Program (PLEP) offers courses — exclusively to policyholders — that are designed to make you aware of where the risks lie, give you the tools and tactics to address those risks, and help you find meaningful ways to apply what you’ve learned in your firm. In addition to earning a 10 percent per year premium credit, our programs provide continuing education units (many of them Health, Safety and Welfare qualified) that can help you meet your license requirements. Design Professional is the education leader in today’s professional liability insurance market.

DPRCG, Design Professionals Risk Control Group, is a risk purchasing group for large design firms to minimize and stabilize the cost of professional liability insurance.

Design Professional's Small Firm Program meets the needs of smaller architectural and engineering firms with annual fees up to USD 1 million.

Quotes released to independent agencies with an exclusive arrangement to deliver products and services for the Design Professional group of XL Insurance.

For Excess Professional liability Policies:
Our knowledgeable underwriters and claims handlers are exclusively dedicated to serving A/Es.  Our Design Professional group’s ongoing work with large firm clients in risk assessment and loss prevention is an important benefit to brokers and A/E firms seeking excess professional liability protection.  All brokers may place excess coverage. For information on excess coverage contact Nicole Mangino AVP, Underwriter: 610-968-9209, Nicole.Mangino@xlgroup.com

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions, including without limitation any jurisdictions within the United States, and may be available only through appropriately licensed producers.

Note: Products subject to legal and underwriting requirements. Specific product availability varies by global jurisdiction.