Architects and Engineers

Nuts & Bolts: St. Paul Travelers expanded its appetite for architects and engineers business to include a variety of construction and design consultants. Previously, only licensed or registered architects and engineers, landscape architects and land surveyors were eligible for coverage. Now, construction and design consultants such as interior designers, urban planners and audio-visual consultants are among the groups eligible for St. Paul Travelers’ insurance products. The products include but are not limited to the following: Professional liability, general liability, property, workers’ compensation, monoline auto, umbrella, employment practices liability and directors and officers liability.

Dollars: There are zero deductibles for firms under $250,000 in annual billings. For qualifying firms over $250,000 in billings, there is a deductible option that includes first dollar defense. For larger firms, deductibles are typically .75 -1.5 percent of a firm’s annual billings. The minimum premium is $1,500. Premiums vary depending on the size and characteristics of the firm. Limits are $500,000/$500,000 to $5 million/$5 million.

Carrier: St. Paul Travelers, admitted.

States Available: All except Vermont, Hawaii and Louisiana.

Contact: John Rapp, (443) 353-2262 or jrapp@spt.com.