- Limits exclusive of defence costs – regardless of the claim jurisdiction, the limits of liability are not eroded by claim expenses
- First dollar defence – regardless of the claim jurisdiction, the deductible is applicable to damages only
- Aggregate deductible – should your firm experience claims, our aggregate deductible feature of 2x per policy period will help you in budgeting your claim costs
- Split damages deductible
- Deductible reduction by mediation – if a claim is settled through mediation and damage payments are paid on your behalf, your deductible will be reduced by up to 50%
- Pollution liability – full policy limits available for pollution claims arising out of an error, omission or negligent act in the rendering of professional services to others
- Attendance costs reimbursement – up to $35,000 reimbursement for reasonable costs incurred to attend mediation, discoveries, pre-trial and trial
- Disciplinary action reimbursement – up to $35,000 reimbursement of reasonable legal fees incurred to defend a disciplinary action brought against you or your firm; this includes any costs imposed on you by your regulatory body in relation to technical examinations or continued education
- Crisis event expense reimbursement – up to $35,000 reimbursement of reasonable expenses incurred by you for consulting services provided by a public relations firm in response to a crisis event
- Automatic Difference in Deductible Reimbursement (for project specific professional liability policies with a sublimit of $250,000)
- Clarification of existing coverages (pollution liability, circumstances to mitigation costs and loss of documents reimbursement)
- PLUS, other professional design consultants (geoscientists, landscape architects and land surveyors) are now afforded the same coverages as available in our Architects & Engineers Professional Liability program.
Note: To learn more about the various deductible features that are available as part of Victor Canada's Architects & Engineers in Private Practice policy, visit our resource page, "Not all deductibles are created equal,": www.victorinsurance.ca/notalldeductiblescreatedequal.