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Hiscox professional liability for design professionals
Written and reviewed by Michael LaBarbera, licensed insurance agent
Hiscox writes professional liability for design professionals and is quoted through our agency. Below are 10 policy features taken from Hiscox's own published US documents, each linked to its source.
| Feature | What the carrier's document says | Source |
|---|---|---|
| Eligibility (revenue and firm types) | Licensed architects, engineers and other design professionals; construction/project managers, contractors, interior designers, land surveyors, landscape architects, custom manufacturers and real estate developers. | Hiscox PRO Architects and Engineers — Design, Construction and Real Estate Development (2019-01) |
| Limits available | Limits capacity up to $10M on a primary or excess basis. | Hiscox PRO Architects and Engineers — Design, Construction and Real Estate Development (2019-01) |
| Deductibles / credits / options | Deductible credit included in base form; aggregate deductible option available. | Hiscox PRO Architects and Engineers — Design, Construction and Real Estate Development (2019-01) |
| First-dollar defense option | First-dollar defense available as an optional cost-of-defense feature. | Hiscox PRO Architects and Engineers — Design, Construction and Real Estate Development (2019-01) |
| Consent-to-settle / hammer clause | 2017 US Hiscox PRO guide: 50/50 hammer clause built into the base form. | Hiscox PRO – policy comparison (US; March 2017) (2017-03) |
| Pre-claim assistance | Up to $50,000 in pre-claim assistance, outside limits. | Hiscox PRO Architects and Engineers — Design, Construction and Real Estate Development (2019-01) |
| Disciplinary proceeding defense | 2017 US Hiscox PRO guide: Licensing-proceeding defense sublimit included in the base form, outside limits. | Hiscox PRO – policy comparison (US; March 2017) (2017-03) |
| Subpoena assistance | 2017 US Hiscox PRO guide: Subpoena-assistance sublimit included in the base form, outside limits. | Hiscox PRO – policy comparison (US; March 2017) (2017-03) |
| ADA/FHA/OSHA proceeding reimbursement | 2017 US Hiscox PRO guide: Up to $25,000 for FHA/OSHA/ADA regulatory defense and response costs, outside limits. | Hiscox PRO – policy comparison (US; March 2017) (2017-03) |
| Pollution incident | Pollution liability arising from performance of professional services; mold explicitly covered with sublimit or full limits. | Hiscox PRO Architects and Engineers — Design, Construction and Real Estate Development (2019-01) |
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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Hiscox questions
Can Provident Financial Group quote Hiscox?
Yes. Hiscox is one of several carriers quoted through our agency from one application. We also show you which carriers declined and why.
What limits does Hiscox offer design firms?
Its published material lists: Limits capacity up to $10M on a primary or excess basis.. Your available limits are set in underwriting.
Does this page rank Hiscox against other carriers?
No. We list features from the carrier's own documents only and do not rank or endorse carriers.
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