Some state laws now restrict the ability of public agencies to recover losses from design professionals—defined as architects, landscape architects, engineers, and land surveyors. Such legislation prohibits public entities from contractually requiring design professionals to defend and indemnify them without showing negligence.
With liability limits up to $50 million, OPPI provides coverage for a wide range of public construction projects, including buildings, airports, power facilities, prisons, schools and colleges, infrastructure, and transportation facilities. Delivery methods can include traditional design-bid-build, design-build, single and multiple prime contractor approaches, and the use of a construction manager.
The policy will indemnify the owner for damages or losses in excess of the design professional’s available insurance or the self-insured retention, whichever is greater.
Expanded Definition of “Professional Consultant”
This addresses the independent consultants who are not part of the prime design team and are contracting directly with the project owner.
Difference in Conditions Clause
To the extent the policy terms and conditions are broader than the underlying architects/engineers policies, the policy will respond to the claim, subject to the self-insured retention.
Third-party Defense Costs
Costs incurred by the owner in defending third-party claims arising from the services performed by the architect/ engineer or contractor are covered.
Additional Owner Advantages
Increased financial security through ultimate control of the program
Cost-effective alternative to project-specific professional liability policies
Supplements the design professional’s practice policy
Reduces potential adversarial relations with the design team
One policy covers the duration of the project
Multiple projects can be scheduled into a single program
Five-year automatic tail coverage
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