Insurance & Risk Management
Specialized Insurance for Design Professionals
An Umbrella policy provides additional limits when the limits of an underlying policy is exhausted by the payment of claims. Therefore, it is a policy designed to protect firms against catastrophic losses. It is generally written over multiple primary policies, such as the General Liability, Automobile and Workers’ Compensation policies.
Umbrella policies can also be written over Watercraft and/or Aircraft Liability policies, however, they are usually not written over Professional Liability policies. Additional limits can be purchased separately to increase Professional Liability limits, however, this is usually done in the form of Client/Project Specific Limit endorsements or stand-alone Excess Professional Liability policies.
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We are an independent insurance agency which means we represent you, our client, instead of trying to push a particular carrier or product. We can provide you with clear choices from over 20 carriers that fit your needs. We only offer coverages from “A” rated carriers as classified by A.M. Best.