Coverage Highlights

Absence of the word negligence in the Insuring Agreements

Purposeful and clear differentiation between professional and pollution-oriented defined terms

Difference in Conditions Affirmation coverage is offered if the terms and conditions governing the applicability of the OPUS policy differ from the terms and conditions governing the applicability of any Recoverable Insurance to a particular Protective Claim

No SIR obligation under the Protective Professional Indemnity and Protective Contractor’s Pollution Insuring Agreements, unless added via endorsement

Policy Period Definition includes 12-month automatic extension for project delays

Multi-project policy for multi-year term can be offered on select project types with reinstatement of limits option available

• Coverage for design services in connection with maintenance and operations during the Extended Reporting Period
• Corrective design services performed during Extended Reporting Period coverage
• Project accounting covered as professional services

Pollution can either be deleted, included as Protective only, or offered as primary on a wrap-up basis if desired

• Addition of environmental activities
• Incorporation of exposures arising out of Non-Owned Locations

Mutual selection of counsel in defense of a Third-Party Claim

Insured’s Third-Party Claims SIR obligation shall be eroded by contributions from the Recoverable Insurance
 

Defense Costs Outside the Limits is available for Third Party Claims, with the exception of residential projects

Employed Professional Liability coverage can be added via endorsement if the Owner is providing Professional Services for the Specified Project

Proactive settlement approach for both the Protective Professional and Protective Pollution Coverages via the Settlement Provisions of the policy (Section III.D).

Goods/Products exclusion carve-backs to address customized product design and pollution conditions resulting from installed goods/products

Extended reporting period goes to the statute of limitation or 10 years (max is 10 years)

No Change of Control Condition

No Choice Of Law Condition

No Jurisdiction And Venue Condition

• ADA and FHA Defense Expense
• Corporate Reputation Rehabilitation
• Protective Claim Bankruptcy Litigation Expense Reimbursement
• Building Information Modeling – Extra Expense