OPUS: Protective Professional Indemnity Insurance for Owners

Customizable Protective Professional Indemnity Insurance

Why Owners Protective Coverage?

OPUS protects an owner against economic loss due to the following issues with subcontracted professional(s):

  • Insufficient design professional limits
  • Bankruptcy
  • Encumbered or exhausted design professional limits due to other claims
  • No design professional insurance
  • Cost overruns
  • Delayed project completion
Why owners protective professional indemnity insurance coverage? Why owners protective professional indemnity insurance coverage?


OPUS (Owners Protective Policy) offers protection in the event of a significant economic loss. The policy sits excess of the annual professional liability policies of design professionals and other consultants performing professional services on the project owners’ behalf. The policy can also be excess of a project specific professional liability policy written for the architect or design firm.

Why Work With Us
Why owners protective professional indemnity policy? Why owners protective professional indemnity policy?
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OPUS Coverage Highlights

OPUS is a project specific professional and pollution liability policy that provides separate Insuring Agreements that share a Policy Aggregate Limit for Protective Professional Indemnity, Protective Contractor’s Pollution, Third Party Claim Defense and Indemnity.

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Policy Forms

Explore Berkley Construction Professional’s policy forms covering everything from owners protective to HARMONY’s follow-form for excess insurance.

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Excess for Owners

We offer Excess for Owners through HARMONY, a follow-form excess liability and indemnity policy that can be used to provide excess insurance attaching atop any combination of Owner’s professional or pollution insuring agreements.

The Power of Berkley

Berkley Construction Professional is one of the 50+ (re)insurance businesses worldwide that comprise the Berkley brand. Berkley is one of America’s largest commercial lines property casualty insurance providers, operating worldwide within two segments of the P&C insurance business: Insurance and Reinsurance & Monoline Excess. Each business offers expertise within an industry, product, or region.


Berkley Construction Professional is a member of W. R. Berkley Corporation, a Fortune 500 company that is listed on the New York Stock Exchange and is part of the S&P 500. W. R. Berkley Corporation’s insurance company subsidiaries are rated A+ (Superior), Financial Size Category XV by A.M. Best Company and A+ (Strong) by Standard & Poor’s.


Berkley’s competitive advantage lies in its long-term strategy of decentralized operations. This structure provides each Berkley business the agility of a small business—the ability to identify and respond quickly and effectively to changing market conditions and local customer needs. It provides our Berkley businesses with the strength and resources of a Fortune 500 organization as well as the financial accountability and incentives to attract and retain the highest-caliber professionals.

Learn More About W. R. Berkley Corporation
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