Design Professionals Insurance | RLI Liability Coverage

Professional liability coverage

Every design professional knows the risk: despite best efforts, clients can still take legal action. RLI offers essential professional liability coverage to safeguard against negligent acts, errors or omissions. Coverage includes:

Worldwide coverage
Pollution incident coverage
Definition of “insured person” includes temporary or leased personnel and retired personnel
Predecessor firm coverage, including joint ventures
Automatic 90-day coverage for acquired or merged entities
Marital or domestic partner extension
Innocent insured provision
Deductible mediation credit of 50% subject to a $25,000 maximum
Defendants′ reimbursement of expenses — $500 per day subject to $12,500 maximum (reimbursement applies day one)
Punitive damages extension where allowable by law
Blanket waiver of subrogation provision
Cost effective options to increase policy limits
Extended reporting period options up to 5 years
High SIR (Excess) programs up to $5 million limits

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Property & casualty coverage

RLI’s property and casualty insurance for design professionals offers tailored coverage to meet specific needs, ensuring swift recovery after a loss and compliance with common contractual insurance requirements. Unlike our competitors, we include built-in features and increased limits at no extra cost. This means you can have peace of mind, knowing you’re sufficiently covered and working with a carrier that understands and addresses your clients' insurance demands during contract negotiations.