Architects and engineers are highly specialized and technical professionals. Their design decisions permeate a project, affecting cost, efficiency, and even public safety. With such capability comes great responsibility — and risk. We are here to protect your professional reputation with highly rated and trusted insurance carriers.
As Professional Liability Experts, we deliver results. If you are serious about reducing your insurance costs while maintaining continuity of coverage, we are here to provide our expertise and help you.
• Architect
• Civil Engineer
• Electrical Engineer
• Structural Engineer
• Mechanical Engineer
• Interior Designer
• Land Surveyor
• LEED® Green Building Program Consultant
• Landscape Architect
• Construction Manager
• Scientist, or
• Technical Consultant
Coverage may include • International Worldwide coverage • Multi-year policies for eligible firms with annual revenue up to $1M • $0 deductible options for eligible firms with annual revenue up to $1M • Defense costs outside the limits of liability available for eligible firms with annual revenue up to $1M • Broad coverage for pollution, asbestos and equity interests • ERP death or disability coverage for no additional charge • Rectification expense coverage for a design defect caused by professional services • No hammer clause.
Please be advised that the above titles, headings, definitions, terms, and descriptions are for illustrative purposes only and are not a contract. Please review the policy and all endorsements for a complete description of coverage, as certain Conditions & Exclusions apply.
Submission Requirements for Arizona, Connecticut, Illinois, Massachusetts, Maryland, North Carolina, New Jersey, New York, Pennsylvania, Texas, and the District of Columbia:
Signed and Dated NY Reg.194 for New York Applicants.
Very Important. Coverage cannot be bound until all required documentation and the premium due are received, reviewed, and accepted by Underwriters. Coverage cannot be back-dated, so please ensure your information is submitted on time. All submissions are individually underwritten to determine program eligibility and terms.
Please email or fax completed forms to: newbusiness@plcsi.com
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Negligence: Failing to meet professional standards or deadlines, including not conducting proper legal research, missing filing deadlines, failing to advise clients appropriately, giving incorrect or incomplete legal advice, and lacking due diligence in reviewing legal documents or contracts.
Conflict of Interest: Representing clients with conflicting interests, such as multiple clients with adverse positions or personal interests that interfere with professional duties, and failure to disclose conflicts or obtain proper consent from all affected parties.
Breach of Confidentiality: Disclosing client confidence or sensitive information without proper authorization and failing to protect client information, especially in the digital age.
Failure to Supervise: Failure to properly supervise associates, paralegals, or other employees leads to errors or omissions and inadequate oversight of subordinates’ work, especially in cases involving complex legal issues.
Fraud or Misrepresentation: Making false representations or failing to disclose material facts that could influence a client’s decision or the case outcome and engaging in fraudulent conduct or misusing client funds.
Incompetence: Taking on cases outside one’s expertise or failing to provide competent legal representation and not staying updated on changes in law or legal procedures relevant to a case.
Client Relations and Communication: Poor communication with clients leads to misunderstandings, dissatisfaction, or loss of trust, as well as failure to provide updates, manage client expectations, or adequately explain legal terms or processes.
Failure to File or Meet Deadlines: Missed filing deadlines, court dates, or failure to comply with procedural requirements can lead to negligence and malpractice claims. In cases involving statutes of limitations, missing deadlines can be particularly problematic.
Litigation Strategy and Decision-making: Poor strategic decisions in litigation include taking unwarranted risks, failing to pursue meritorious claims, and misjudging the likelihood of success or settlement opportunities.
Client Mismanagement: Failing to manage the client’s legal affairs organizationally, resulting in economic loss, penalties, or legal consequences.
Conflict with Third Parties (e.g., opposing counsel, courts): Claims may arise from mishandling interactions with third parties, such as opposing counsel or the courts, which may harm a client’s interests.
Alleged Violation of Ethical Standards: Claims arising from perceived violations of the professional code of ethics, such as misconduct, dishonesty, or breaches of fiduciary duties.
The above exposures highlight the complex nature of legal work and the importance of maintaining high professional standards, staying informed about legal developments, and ensuring effective client communication and management. Legal malpractice claims can arise from minor oversights, so adequate professional liability coverage is crucial for all practicing attorneys.