Environmental, Design and Construction Consultants

Availability: Admitted in all states where approved, D.C. and U.S. territories 

Target risks: See our list of professionals and services we insure

Minimum premium: $1,000

Limits: Up to $20 million

Policy features:

• Pollution coverage for all services
• Retroactive coverage available for eligible firms
• Incident reporting at the policyholder's option
• No exclusions for mold, asbestos or EIFS
• Multi-year policies available for small accounts
• Broad coverage for professional services
• No hammer clause

Download the Environmental, Design & Construction Consultants coverage highlight sheet

• The most recent 2014 policy form is subject to state filing procedures
• The 2005 policy form is subject to state filing procedures
• The above insuring agreement applies to all states except NY and VT. It is also available in DC, PR and VI.
  • A risk mitigation credit is offered to eligible policyholders of this insuring agreement and provides the option of receiving a deductible credit of up to $25,000 if certain best practices are implemented.
• New York licensed professionals such as architects, engineers, land surveyors and landscape architects use The 2006 NY free trade zone insuring agreement beginning with policies effective on or after September 1, 2006
• New York non-licensed professionals such as environmental consultants and specialty construction consultants will continue to be written using our 1999 NY insuring agreement until further notice

Available endorsements

• Network protection for design professionals

• Consultants program appetite guide
• Increasing flow for your agency
• 8 compelling reasons to insure your environmental business

To help you and your clients understand and overcome risks, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

• Professional liability: A deep dive into the consultants application form
• Work smarter with V²

Contact the environmental, design & construction consultants team directly at design.us@victorinsurance.com or connect with your business development contact.

You have the option not only to report a claim, but circumstances, (situations in which you are concerned that a claim may occur) as well.

Here's how to ensure the fastest possible response to your circumstance or claim:

1. When you're notified of a claim or become aware of a circumstance, email your claim information to designclaims.us@victorinsurance.com, or you can write the CNA Insurance Companies in care of Victor Insurance Managers LLC, 7700 Wisconsin Avenue, Suite 400, Bethesda, MD 20814.
   
   
2. With respect to claims, all principals and staff members involved in the claim should be prepared to document the circumstances surrounding the allegation. Your written report to CNA should include the following:
   
   - Your firm's name and address
   - Your policy number
   - Date, time and location of the situation
   - Brief narrative description of the allegation against you
   - Name of person or entity making the claim
   - Amount of demand, if known
   - Any lawsuit papers or legal proceedings
   - Client - architect/engineer agreement for the project
   - Any other pertinent documents or correspondence, including newspaper accounts
   
   
3. If the claim or circumstance involves a traumatic situation (collapse of a structure, serious bodily injury, etc.), take photographs of the site if possible. Amateur photos taken promptly are more valuable than professional photos taken at a later date.
   
   
4. Consult with your CNA claim specialist before you agree to attend any conferences arranged for the specific purpose of discussing the situation.
   
   
5. Do not sign or accept releases from any parties without first obtaining approval from your CNA claims specialist.
   
   
6. Keep all pertinent letters of agreement for services, correspondence and memoranda.
   
   
7. Accept all letters, memoranda, and suit papers without comment or argument. Do not admit liability, and do not attempt to place blame.

Experienced legal counsel
CNA uses highly experienced and successful legal defense firms that specialize in architects and engineers professional liability claims to help defend you. The attorney assigned to your case will consult with you and keep you informed about all important actions to be taken on your behalf. In addition, your CNA claims professional will help answer your questions and advise you of developments in your case. The legal defense of a lawsuit is often the most critical factor in handling a professional liability claim. Providing you with the experienced legal defense you need is just one more reason why CNA delivers the best claims services available in the industry.

Fast claims service
If you are faced with a claim or potential claim, you can be assured that CNA will provide fast, fair claims service. Applying our experience and expertise, we work with you to protect your firm's assets and reputation by handling your claim quickly and effectively. Specialists give you personal service. Our architect and engineer professional liability claim professionals are available from coast to coast. At Victor and CNA, we continually respond to the evolving needs of your practice. That is our commitment to you - a commitment we've been keeping for over 65 years.

After your insurance company is notified about your claim or incident, we will take the following steps:

1. An analyst will be assigned to review your case
2. The analyst will notify your claims specialist, who will contact you within 24 hours of being notified of your situation to begin the investigation.
3. As the investigation progresses, you and your claims specialist will work together to direct, monitor and assess your case.
4. If the situation requires legal counsel, an attorney specializing in the defense of architects and engineers claims will be retained to protect your interests.

The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.