K. L. Owens and Associates LLC provides insurance to small, medium, and large sized architects and engineering firms with “A+” XV rated admitted carriers and “A” XV rated non-admitted carriers that have been providing professional liability for A&E’s since 2002.
Highlights
- A.M. Best “A+” XV Rated Admitted Carrier Providing Professional Liability to A&E’s since 2002
- A.M. Best “A” XV Rated Non-Admitted Carrier
- Minimum Premium $1,400
- No Billing/Revenue Limitations
- Pre-claims/Risk Management Assistance
- Expert claims personnel dedicated to A&E Program
- “800” Hotline
States Available
- Nationwide
Targeted Classes
- Architecture
- Interior Design
- Landscape Architecture
- Golf Course Architecture
- Civil Engineering
- Electrical Engineering
- Mechanical Engineering
- HVAC Engineering
- Structural Engineering
- Surveying
- Construction Management
Coverage Available
- Defense costs “outside of limits” option
- No Pollution exclusion within policy form
- Contractor’s Pollution Liability
- Technology Liability
- Coverage for LEED accredited professionals
- Automatic renewal for qualified firms
- Installment plans for qualified firms
- First Dollar Defense option
- Worldwide Coverage
- Specific project excess limits available
- Reduced deductible when claim resolved through mediation
- ADA, FHA, OSHA legal expense reimbursement
- Innocent insured protection
