Hanover Architects & Engineers Professional Advantage
Even the best-laid plans can go awry. Design errors that lead to construction delays, cost overruns, property damage, or bodily injury can result in costly lawsuits for architects and engineers. Hanover Architects & Engineers Advantage helps protect against the unique risks architects and engineers face with comprehensive coverage that meets or exceeds professional liability insurance needs.
Our redesigned product for architects and engineers
The exposures design professionals face have evolved in recent years—from the surge in the use of drones to the reliance on technology for many aspects of business. Our new, streamlined Hanover Architects and Engineers Advantage professional liability offering is designed to address the modern exposures firms face in today’s dynamic business environment.
Hanover Architects & Engineers Advantage is designed to meet the needs of design professionals in a wide range of disciplines, that work on a wide range of projects.
Disciplines
- Acoustical engineering
- Architecture
- Architectural planning
- Civil engineering
- Civil wastewater treatment plants (WWTP)
- Construction management−agency
- Electrical engineering
- Environmental engineering (phase I and II only)
- Illumination/lighting engineering
- Interior design
- Landscape architecture
- Land surveying
- Lab services
- Mechanical and HVAC engineering
- Process engineering
- Project management
- Owner’s representative
- Structural engineering
Projects
- Apartments
- Casinos
- Chemical plants/pipelines
- Churches/religious institutions
- Commercial
- Custom residential
- Government and military
- Hotels/motels <15 stories
- Libraries/museums
- Municipal/public buildings
- Offices <15 stories
- Processing, manufacturing and industrial buildings
- Public schools/universities
- Restaurants and bars
- Retail, malls and shopping centers
- Sewer/water systems
- Single family homes
- Subdivisions
- Airports — runways, taxiways and passenger terminals
- Bridges and trestles
- Building envelopes, facades and curtain walls
- Condos and townhouses
- Dams, reservoirs and levees
- High-rise offices and buildings >15 stories
- Landfills
- Mines and quarries
- National/nature parks and playgrounds
- Private colleges/universities
- Retaining walls
- Stadiums, arenas and theaters
- Swimming pools
- Tunnels
- Underground storage tanks and utility locations
Not in appetite
Disciplines
- Construction inspection
- Construction management-at risk (CM-At-risk)
- Designer-led design-build
- Environmental engineering (phase III)
- General contractors
- Marine engineering
- Naval architectural
- Soil and geotechnical engineering
- Traffic engineering >5%
- Amusement parks, rides, water slides and water parks
- Cranes, crane foundation, scaffolding and temporary structures
- Nuclear facilities
- Offshore structures/drilling
- Asbestos consulting or remediation
- Contracting
- In-house design within a manufacturing company
- Machine, equipment or product design
- Materials testing and handling
- Product manufacturing
As part of our professional liability portfolio, we offer a broad errors and omissions solution for architects and engineers that helps protect against the financial damage of a claim or lawsuit resulting from allegations of design errors or professional negligence.
Supplemental coverage and enhancements
- Remediation expense – no design/build exclusion
- Withheld client fee assistance
- Reputation protection expense
- Crisis event expense
- Peer review expense
- Disciplinary proceedings expense
- Nonprofit directors and officers expense
- Cyber privacy, security and media liability coverage
- Definition of unmanned aircraft specifically states "drone"
- Additional claim-free and risk management deductible reduction benefits
- Additional extended reporting period options
Additional program features
- Claims made and reported
- Limits of liability ranging from $100,000 to $10,000,000
- Deductibles as low as $0 for small firms with gross billings of $250,000 or less
- Deductibles starting at $2,500 for firms with more than $250,000 in gross billings
Total account solution
- Business owner's policy (BOP)
- Commercial package policy (CPP)
- Commercial auto
- Workers' compensation
- Commercial umbrella
- Employment practices liability
- Surety bonds
- Inland marine
Program solutions
We can develop professional liability programs in any segment where you have either an existing book of business or a chance to grow. We work with retail agents, managing general agents and associations to build specific product solutions for all types of homogeneous groups with similar coverage needs, from start-ups and established programs to small, mid-size and large programs and accounts, including expertise in risk purchasing group formation.
Hanover Architects and Engineers Professional Liability Advantage protects against the unique risks faced by your clients. Unlock the Hanover advantage.
Specialized standalone coverage
Serves a wide range of design professionals, from startups to firms with $75M in revenue
Privacy, security and media liability coverage
Built-in coverage to provide important protection against cyber risk
Risk management hotline
Staffed by lawyers and claims professionals
Dedicated team
Including seasoned management, underwriting and claims professionals, solely serving design clients
Legal expertise
Complimentary review of client-facing contracts by lawyers to help customers mitigate risk
Customer service center
Helps agencies improve operational efficiency by servicing architects and engineers professional liability policies for small businesses
Hanover Architects & Engineers Advantage is designed to meet the needs of design professionals in a wide range of disciplines, that work on a wide range of projects.
Disciplines
- Acoustical engineering
- Architecture
- Architectural planning
- Civil engineering
- Civil wastewater treatment plants (WWTP)
- Construction management−agency
- Electrical engineering
- Environmental engineering (phase I and II only)
- Illumination/lighting engineering
- Interior design
- Landscape architecture
- Land surveying
- Lab services
- Mechanical and HVAC engineering
- Process engineering
- Project management
- Owner’s representative
- Structural engineering
Projects
- Apartments
- Casinos
- Chemical plants/pipelines
- Churches/religious institutions
- Commercial
- Custom residential
- Government and military
- Hotels/motels <15 stories
- Libraries/museums
- Municipal/public buildings
- Offices <15 stories
- Processing, manufacturing and industrial buildings
- Public schools/universities
- Restaurants and bars
- Retail, malls and shopping centers
- Sewer/water systems
- Single family homes
- Subdivisions
- Airports — runways, taxiways and passenger terminals
- Bridges and trestles
- Building envelopes, facades and curtain walls
- Condos and townhouses
- Dams, reservoirs and levees
- High-rise offices and buildings >15 stories
- Landfills
- Mines and quarries
- National/nature parks and playgrounds
- Private colleges/universities
- Retaining walls
- Stadiums, arenas and theaters
- Swimming pools
- Tunnels
- Underground storage tanks and utility locations
Not in appetite
Disciplines
- Construction inspection
- Construction management-at risk (CM-At-risk)
- Designer-led design-build
- Environmental engineering (phase III)
- General contractors
- Marine engineering
- Naval architectural
- Soil and geotechnical engineering
- Traffic engineering >5%
- Amusement parks, rides, water slides and water parks
- Cranes, crane foundation, scaffolding and temporary structures
- Nuclear facilities
- Offshore structures/drilling
- Asbestos consulting or remediation
- Contracting
- In-house design within a manufacturing company
- Machine, equipment or product design
- Materials testing and handling
- Product manufacturing
Product resources
Resources for you
Marketing materials
Resources for your customers
Our risk management program includes a risk management hotline, contract review services and an online portal featuring a variety of articles, sample contracts, risk bulletins and more for design professionals.
See all of our resources for architects and engineers
Customer tools
Let's start a conversation today
Contact a member of our team who can help you craft professional and executive lines coverage for your clients.
Alisa Menicucci
Regional Distribution Manager
CA
707-810-4737
amenicucci@hanover.com
Ben Dowd
Regional Distribution Director
AR, LA, OK, TX
214-750-3925
bedowd@hanover.com
Matt Cohen
Regional Distribution Director
ID, MT, NJ, NY, OR, PA, WA
303-819-7926
mcohen@hanover.com
Jon Fritinger
Regional Distribution Director
IN, KY, MI, OH
513-405-9634
jfritinger@hanover.com
Adam Bennett
Regional Distribution Director
IA, IL, MN, ND, NE, SD, WI
952-484-8907
abennett@hanover.com
Issac Eberhart
Regional Distribution Director
AL, FL, GA, MS, NC, SC, TN
615-267-8545
ieberhart@hanover.com
Emerson Richardson
Regional Distribution Director
AZ, CO, KS, MO, NM, NV, UT, WY
720-445-1450
emrichardso@hanover.com
Pete Hamm
Regional Distribution Director
DC, DE, MD, VA, WV
804-349-9432
phamm@hanover.com
Becky McLaughlin
Regional Distribution Director
CT, MA, ME, NH, RI, VT
857-296-2185
rmclaughlin@hanover.com