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THE PR CRISIS

THE COSTLY FINE

THE LEFTOVER ERROR

THE WORKSITE INJURY

THE JOINT VENTURE

The Situation

As a subconsultant on the parking facility of an important downtown development, your engineering firm is named in a lawsuit when major structural defects are found.

The Implication

Given the prominence of the development, your firm’s reputation is on the line.

The Insurance Solution

The crisis event expense reimbursement coverage included in your professional liability policy can help cover the costs to hire a public relations consultant services to help you manage stakeholder communications and media relations during the crisis and mitigate the potentially damaging impact to your company’s reputation.

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THE PR CRISIS

THE COSTLY FINE

THE LEFTOVER ERROR

THE WORKSITE INJURY

THE JOINT VENTURE

The Situation

An unintentional design defect in a pedestrian bridge causes significant damage to a major thoroughfare in town when the bridge is deemed unsafe.

The Implication

In an effort to make an example of the case and to help deter similar cases in the future, the judge awards significant punitive damages.

The Insurance Solution

Your punitive or exemplary damages coverage could protect your firm for punitive or exemplary damages, where allowed by law.

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THE PR CRISIS

THE COSTLY FINE

THE LEFTOVER ERROR

THE WORKSITE INJURY

THE JOINT VENTURE

The Situation

In the rush to meet a contractual milestone, a company your firm acquired a month ago makes a technical mistake that could result in a significant budget overrun.

The Implication

As the parent company, your firm could be held liable for any damages claimed by the project owner.

The Insurance Solution

With automatic acquisitions coverage, a company acquired during your policy period is automatically protected for 90 days (or until the policy expires if that happens first) for any errors it commits on or after the day it is acquired.

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THE PR CRISIS

THE COSTLY FINE

THE LEFTOVER ERROR

THE WORKSITE INJURY

THE JOINT VENTURE

The Situation

A civil engineer providing on-site observation witnesses a work site injury and during the resulting deposition, makes a statement accepting responsibility for not calling attention to the unsafe condition that resulted in the injury.

The Implication

Since the engineer is an employee of your firm, their statement could put your company at increased risk of being held liable for the injury and any resulting expenses.

The Insurance Solution

Pre-claim assistance can help cover expenses associated with the evaluation and mitigation of a potential claim and, with advice from professional claim, legal and experts, can help you avoid situations and statements that may increase your risk.

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THE PR CRISIS

THE COSTLY FINE

THE LEFTOVER ERROR

THE WORKSITE INJURY

THE JOINT VENTURE

The Situation

Your architecture firm enters into a joint venture with a group of other firms; one of which, you eventually discover, does not have the capabilities and expertise it had represented.

The Implication

The members of a joint venture enter into contracts as a single entity, but the project owner could hold each of you liable individually for the negligence of other members.

The Insurance Solution

With joint venture coverage, professional liability protection is extended to exposures arising from your participation in joint ventures.