Architects & Engineers Products & Coverage

Euclid Design Underwriters has a long, successful history as a managing underwriter serving the design community with a comprehensive suite of products.

Underwriting Focus

Our underwriting focus is to write primary coverage for A&E firms with annual gross revenues from $25,000 up to $50,000,000. We consider Architects, Interior Designers, Landscape Architects, Land Planners, Civil Engineers, Land Surveyors, Electrical Engineers, Mechanical Engineers, HVAC Engineers and Structural Engineers.

We focus our underwriting and risk selection with an eye for firms with the following traits:

  • Written contracts signed with all clients
  • Strong Risk Management and Quality Control utilized
  • Extensive Experience and Specialization in the project types
  • Exemplary Claim History

Policy Features

  • No hammer clause
  • No asbestos or mold exclusion
  • Rectification expense coverage
  • Contingent pollution coverage
  • Computer network security, technology based services, technology products coverage
  • Personal Injury Offense Coverage
  • Mediation and risk management credit – deductible credit of 50% up to $25,000
  • ADA, FFHA and OSHA – $50,000
  • Crisis management expense – $15,000 per event/ $45,000 aggregate
  • Disciplinary proceedings reimbursement – $30,000
  • Subpoena provision
  • Dodd Frank – $50,000
  • Disciplinary or regulatory proceedings Expense – $25,000
  • Defendant reimbursement – $500 per day, $15,000 aggregate
  • Backed by A.M Best-rated A+XV paper
  • First party cyber coverage available
  • Specific project and client excess limits available

Limits & Deductibles

Limit Options – Each Claim/Annual Aggregate:
$250,000/$250,000 minimum
*including split limits

Specific Project Excess and Specific Client Excess limits are available when required by contract.

Deductible Options:
$2,500 minimum

Deductible Provisions:

  • Single Annual Aggregate
  • Each Claim
  • Split Deductibles – Two Times Aggregate and Three Times Aggregate
    • ie: $5,000/$10,000 and $5,000/$15,000


First Dollar Defense and Defense Outside the Limit is available for most firms.

Excess

We offer a traditional follow form excess policy on a surplus lines basis with a minimum attachment point of two million dollars. A full primary submission and primary coverage language is required to UW excess liability. We can quote subject to the current primary policy but will need a copy of the underlying binder with policy number.

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