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Architects & Engineers Errors and Omissions (E&O)

There are nearly 38,000 architect and engineer businesses in Canada

A design firm recently agreed to pay $550,000 to settle a lawsuit after a home it renovated experienced a fire that claimed the lives of five people. In another case, an architect paid $325,000 to settle a lawsuit after a school he designed was completed for more than double the expected cost and two years behind schedule. The nearly 38,000 architect and engineer businesses in Canada all have similar exposures that can lead to costly settlements.

Design errors, contract language, sustainability and subcontractor errors all play a role in shaping the risks facing businesses in this sector. In an industry generating $34 billion in annual revenue, there is significant opportunity for you to provide necessary coverage solutions.

Tailored Architects & Engineers Errors and Omissions Coverage can protect your clients from these risks as well as claims stemming from negligence, breach of contract, pollution and personal injury.

Coverage Details and Features

  • Deductibles as low as $2,500 ($0 available on some classes)
  • Premium starting at $1,500
  • Worldwide coverage available
  • Specific job excess
  • Contingent Pollution Coverage available
  • Contingent bodily injury and property damage
  • General Liability package for some classes
  • Personal Injury included
  • Independent contractor coverage
  • Duty to defend/pay on behalf of wording

Target Classes

(including but not limited to)

  • Planning & Development Contractors
  • Licensed Architects
  • Electrical, Civil, Mechanical, HVAC/Plumbing, Structural Engineers
  • Design/Build
  • Land Surveyors
  • Interior design services
  • Landscape Architects
  • Construction Manager/Project Managers
  • Oil/Gas/Geo/Soil Engineers
  • Forensic Construction
  • LEED/Energy Consultants/Designers
  • Feasibility Studies
  • Residential and/or condo exposure
  • Joint Ventures

Claims Examples

A designer misinterprets renderings done by the insured architect which leads to the ordering of costly materials that are not going to work for the project. The mutual client is upset and sues both for professional negligence and demands reimbursement for the useless materials. The architect does not believe this it is their fault but was named in the lawsuit and has a responsibility to appear in court. Their policy appoints counsel and defended the architect. Total defense and indemnity cost: $400,000
An HVAC engineer provided design and installation services for the construction of a new high school. Design errors created mold issues in the pool/gymnasium wing. Suit was brought against the engineer for mold remediation. Claim paid: $30,000

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.


Landscape contractor. Design build, $1M Contractors Professional, Contingent BI/PD and CPL


Process control/chemical engineer. $1M/$1M AE Professional, Tech Services/Product Coverage with Contingent CPL/BI/PD

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