Professional Services Defined in a Professional Liability Policy

Professional Services Defined in an Architects/Engineers Professional Liability Policy

Insurance companies each have defined what ‘professional services’ are in their policies. This definition in important when your firm is defining your scope of services in a contract. It is equally important at the time of a claim so that your firm has coverage if the service is outside of the definition in your policy. If your policy doesn’t list a service your firm is providing contact your insurance agent to find out if it can be added or if the insurance company will accept the service because it is within the realm of ‘professional services’. Here are some examples of the definition of professional services.

“Professional Services” means those services provided by the Insured or by any person for whom the Insured is legally responsible acting in the capacity of an architect, engineer, landscape architect, land surveyor, interior designer, construction manager, technical consultant, environmental consultant, including Sustainability of any such service or as specifically endorsed hereon.

“Professional Services” means those services the Insured is legally qualified to perform for others in the practice of architecture, engineering, land surveying, landscape architecture, interior design, construction management, environmental consulting, land planning, space planning, technical consulting or acting as an expert witness.

Professional Services means only services in any of the following capacities:

1. Architect.
2. Engineer.
3. Land surveyor.
4. Landscape architect.
5. Construction manager.
6. Scientist.
7. Technical consultant.

If your professional liability policy doesn’t list a service that your firm provides, double check to make sure it would be covered in the event of a claim. Or ask that the insurance company add by endorsement the service your firm does provide.

If you have any questions with regards to professional services in your firm’s professional liability policy please call or email your Professional Underwriters agent for assistance.