Design Professional Insurance Program

Hill Programs offers Professional Liability to a wide variety of Architects, Engineers, Land Surveyors and other design professionals. Coverage is available in all states. Limits of liability are available up to $5,000,000 and premiums begin at $2,500. 
The carrier is rated A (Excellent) XV by A. M. Best.

• Coverage Features
• Coverage for Personal and Advertising Injury including consequential BI
• Coverage for Pollution Conditions
• Consent to settle soft hammer clause (50%)
• Coverage for computer software sold or supplied by the insured in the provision of professional services
• Punitive Damages coverage where allowed by law
• Independent Contractors as an insured while working for the insured if the insured has agreed to provide insurance for the independent contractor
• Leased Employees as an insured while working for the insured
• Temporary Employees as an insured while working for the insured
• Insured Person includes spouse and domestic partner
• Full Severability of all exclusions clause
• True worldwide coverage
• Mutual selection of claim counsel
• SIR reduced by 50% (up to $25,000) for use mediation to resolve a claim
• Discovery Clause for reporting circumstances
• Forty-five days coverage for merged or acquired entities
• Blanket Waiver of Subrogation
• Blanket Additional Insured for Pollution Conditions
• Specific Client or Specific Project Excess Limits of Liability are available
• Supplementary Payments:
• $1,000 Each Day For Attendance At Trial, Hearing Or Arbitration
• $10,000 Attendance Policy Period Aggregat
• $10,000 Each Disciplinary Proceedin
• $20,000 Disciplinary Proceeding Policy Period Aggregate
• $25,000 ADA, FFHA, and OSHA Penalty Extension Policy Period Aggregate

Manufacturer’s Errors & Omissions Insurance Program

Hill Programs offers Professional Liability to a wide variety of Manufacturers. Coverage is available in all states. Limits of liability are available up to $5,000,000 and premiums begin at $5,000. The carrier is rated A (Excellent) XV by A. M. Best.

Manufacturers are often seen as the experts if their field and many offer services in addition to their tangible product. These services may include engineering, design work, material selection, assembly, installation or other services for a fee that create a need for Errors & Omissions coverage. 

Coverage Features

• Coverage for Manufacturer’s Professional Liability
• Coverage for Pollution Conditions
• Coverage for Multimedia and Advertising
• Coverage for Computer Network Security
• Coverage for Privacy Liability
• Supplementary Payments:
• Defendants Reimbursement
• Disciplinary Proceedings Reimbursement
• Reputation Management Reimbursement