Carrier profile
Hanover professional liability for design professionals
Written and reviewed by Michael LaBarbera, licensed insurance agent
Hanover writes professional liability for design professionals and is quoted through our agency. Below are 11 policy features taken from Hanover's own published US documents, each linked to its source.
| Feature | What the carrier's document says | Source |
|---|---|---|
| Eligibility (revenue and firm types) | Architects, engineers, aerial mapping, agency-only construction management, phase I/II environmental services, interior designers, landscape architects, land surveyors, owner representatives and project managers. | Professional liability for architects and engineers (2026-11) |
| Deductibles / credits / options | Additional claim-free and risk management deductible reduction benefits offered. | Professional liability for architects and engineers (2026-11) |
| First-dollar defense option | 2014 guide: optional first-dollar defense for firms with billings up to $2 million; current eligibility and endorsement terms require confirmation. | Hanover Architects & Engineers Advantage — A policy designed & engineered for success (historical September 2014 guide) (2014-09) |
| Consent-to-settle / hammer clause | 2014 guide: consent to settle and no hammer clause; current settlement wording requires confirmation. | Hanover Architects & Engineers Advantage — A policy designed & engineered for success (historical September 2014 guide) (2014-09) |
| Pre-claim assistance | 2014 guide: free pre-claim assistance; deductible does not apply unless a claim is made. | Hanover Architects & Engineers Advantage — A policy designed & engineered for success (historical September 2014 guide) (2014-09) |
| Rectification / design-error expense | Remediation expense coverage offered; no design/build exclusion. | Professional liability for architects and engineers (2026-11) |
| Disciplinary proceeding defense | Disciplinary proceedings expense coverage offered. | Professional liability for architects and engineers (2026-11) |
| ADA/FHA/OSHA proceeding reimbursement | 2014 guide: ADA/FHA/OSHA claim defense costs up to $25,000, plus up to $250/day for salaries and expenses; current wording requires confirmation. | Hanover Architects & Engineers Advantage — A policy designed & engineered for success (historical September 2014 guide) (2014-09) |
| Extended reporting period (automatic / optional) | Additional extended reporting period options offered. | Professional liability for architects and engineers (2026-11) |
| Network intrusion (third-party) | Cyber privacy, security and media liability coverage offered. | Professional liability for architects and engineers (2026-11) |
| Pollution incident | 2014 guide: pollution coverage for professional services; current policy scope requires confirmation. | Hanover Architects & Engineers Advantage — A policy designed & engineered for success (historical September 2014 guide) (2014-09) |
Features not shown were not confirmed in a published US document; ask us. Carrier names identify markets quoted through our agency. Availability depends on underwriting, state, policy wording and endorsements; this is not an offer of coverage.
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