Architects and engineering firms face serious risks.
Architects and engineering firms face many serious risks such as lost data, on-site accidents, claims, and lawsuits that can significantly impact their business. Even so, they can rest assured that The Hartford is here to help businesses reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Architects & Engineering Firms
Helps protect the property an architect and engineering business owns and/or leases, including buildings, computers, equipment, inventory, furniture, tools and fixtures. Property coverages can be tailored by the policyholder to fit the specific needs of their architect or engineering business.
This can include coverage if:
Equipment owned by the business breaks down.
The business is unable to process electronic data.
The firm loses income because utility services are interrupted.
Our Property Coverage also helps protect the computers, specialized software; equipment engineering firms depend on, as well as accounts receivable and valuable papers. It can also cover equipment breakdown.
The General Liability Choice® policy from The Hartford helps covers bodily injury and property damage, including damage to rented properties, and accidents related to running an engineering business. This policy also helps to protect the assets of an architect and engineering company if it is sued for negligence, personal injury, libel, slander, errors, omissions, misrepresentation in advertising, and more. The policy automatically covers employees as defined in the policy and can easily be extended to cover others when needed.
Our end-to-end cybersecurity solutions help protect businesses from the potentially severe effects of a broad range of third-party liability and first-party risks associated with data privacy and network security, including hackers, malicious software, rogue employees, hardware theft, employee error and more.
Our Private Choice OvationSM package policy helps architects and engineering firms protect against management liability exposures with five critical coverage parts that can be customized to meet their specific business needs:
Directors, Officers and Entity Coverage – helps protect directors and officers in their everyday management and business decisions.
Employment Practices Liability Coverage – helps protect firms and their leaders from damages and defense costs related to employment practice disputes such as discrimination, sexual harassment, and wrongful termination or discipline.
Fiduciary Liability Coverage – helps provide coverage for claims that arise from the administration and oversight of specified employee benefits plans provided to employees and retirees of the organization.
Crime Coverage – helps protect firms against employee theft and other crimes.
Kidnap and Ransom/Extortion Coverage – helps provides a reimbursement to the insured for certain costs related to kidnapping, ransom and extortion in the U.S. or while traveling abroad.
We offer a portfolio of international coverages for U.S. domiciled companies. For businesses without physical locations or employees permanently based in a foreign country, The Hartford has International Choice Exporters Package. For smaller businesses we over a non-admitted comprehensive coverage solution featuring 6 coverages plus travel support services. Coverage includes:
General liability coverage for bodily injury and property damage, advertising errors, and medical payment claims that happen outside the U.S.
Property coverage for office equipment and other business property lost or damaged while travelling outside the U.S.
Contingent Hired and Non-Owned Auto liability and Hired Auto physical damage coverage can help pay the losses on rental car accidents that happen outside the U.S.
Employers’ responsibility coverage for employees who get injured or contract a disease while conducting business overseas.
Business Travel Accident and Kidnap Ransom and Extortion coverages support employee and others for safety and well-being while abroad.
24/7 travel support services including emergency medical evacuation, personal services, access to local attorneys, and more.
The Hartford is a leading provider of Workers’ Compensation Insurance, which provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. If an employee is injured or sick, The Hartford helps return them to work as soon as reasonably possible or to other transitional work and may include training with new skills. This coverage even pays a long-term benefit if an employee can’t return to work. In the event that an employee dies due to a work related accident, the policy pays an insurance benefit to the family.
The Hartford’s TeamWork® Return-to-Work program helps get injured employees back on the job as soon as medically appropriate.
Our Payroll Billing Option, offered at no extra cost, can help businesses more easily manage and monitor cash flow related to their workers’ comp payments. It features premium payments based on actual payroll and timed to the company’s payroll schedule.
Helps cover the vehicles that a business owns, leases, rents or borrows, on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles and in the event of a total loss, can help pay off a lease or loan if there is a gap in coverage. The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
The Hartford’s innovative Risk Engineering team strives to help companies run safer and ultimately more profitable businesses with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security.
The coverages and services described herein are summaries only. All policies should be read carefully to determine exclusions, limitations and other terms and conditions. In the event of a conflict, the terms and conditions of the policy will govern. All coverages and services may not be available for all businesses or in all states. Please contact your agent or broker for details.
Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates (CA lic #8701). In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In WA, this insurance is written by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident and Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Sentinel Insurance Company, Ltd. and Hartford Insurance Company of the Midwest.