THE BASIC PROGRAM

Just look at all the protection that’s automatically built into our standard plan.

Building Coverage and Business Personal Property (BPP): Own your building? Lots of equipment? How about other contents? Furniture in your office? You’d probably be surprised if you added up the value of all your belongings. Fortunately, The Hartford’s program for engineers will pay to repair or replace all of these things. For example, in the event of a covered loss, it covers theft and damage up to the limit of your building or property coverage.

Back-up of Sewers and Drains: Here’s another feature you won’t find in most other policies. We can protect your property in the event it’s damaged by water backing up through the sewers or drains on your premises.

Off-Premise Utility Services: An interruption in your power, communications or water supply could bring your business to a sudden halt. So our program can offer protection against interruptions in your water supply, power or communications. What type of protection? Well, if an off-premises utility service failure closes you down temporarily, we’ll reimburse you for your resulting lost business income or extra expenses.
Here are just a few examples of where this protection would prove valuable. Say the water pumping station burns down and you’re out of water. Or imagine that a truck damages an electrical switching station (overhead lines are excluded). Or say high winds damage the transmitting tower supplying your radio, telephone or television. Just a few of the times you’ll be happy you chose the ACEC Business Insurance Plan.

Fire Legal Liability: Here’s another instance where our program far surpasses the industry standard, because it includes substantial protection in case you’re held legally liable for a fire and the damage it causes.

Money and Securities: Think your money is protected in your office safe? Think again. What if you were robbed? Or a fire destroyed your office? Fortunately, our program protects cash and securities at your office location. It even provides coverage while your money is in transit to the bank.

Business Liability: What if someone slipped and fell in your office? Would your insurance cover the lawsuit? This program protects your firm in case someone is injured on your property and sues you. It also covers damage to the property of others in your care, custody or control, and false advertising. Better yet, defense costs are included, in addition to the applicable policy limits.

Equipment Breakdown: The Hartford knows engineers rely heavily on their equipment to do their job. Using a special coverage form, our program can protect all different types of equipment from all different types of breakdowns. For example, we cover computers, scanners and phone systems from breakdowns caused by power surges, mechanical malfunction, and boiler explosions. Hard to believe, but these are just the kind of losses that are typically excluded from most business insurance policies.

Business Income Interruption: Let’s face it, time is money. And you can't afford to be out of business for any length of time. That’s why The Hartford’s insurance program comes complete with automatic income protection. In the event of a covered loss, like an equipment breakdown, this built-in feature will reimburse you for your resulting actual loss of earnings for up to 12 months. We’ll even pay for the extra expenses it takes to get your business up and running again, like renting equipment or other office space.

Identity Theft: Identity theft is the fastest-growing crime in America today. Specifically, identity theft refers to crimes in which someone wrongfully obtains and uses another individual’s personal information to commit fraud or other crimes. Business owners or partners are especially attractive targets because identity thieves believe they have abundant assets. The Hartford’s Identity Recovery Coverage provides important benefits like Identity Recovery Help Line, Identity Recovery Case Manager Service and Expense Reimbursement Insurance.

Consulting Engineers’ Property Coverage

Our program covers direct physical loss or damage to virtually all your equipment & scientific instruments, surveying equipment, models, drawings, replicas, small water craft, job-site office trailers and other property. We even extend this coverage to similar property of others while it’s in your possession.

Optional Coverages

You can also add the following insurance coverages to protect your business:

Workers’ Compensation: Our workers’ compensation coverage truly benefits both you and your employees. Your employees receive prompt, appropriate care for work-related injuries. And you can better control your costs thanks to our excellent managed care services. All of which helps to speed an employee's recovery and return to work.

Corporate-Owned Auto: Elect this option, and you’ll get broad coverage for the vehicles your company owns. (Available in most states.)

Umbrella Liability: Unfortunately, large court settlements are all too common these days. That’s why more and more consulting engineers are choosing to add an umbrella liability policy to their plan. We can provide quotes for up to $10,000,000 in coverage.

Computers and Media: With our program, you can be covered for physical loss or damage to your computer hardware. Plus, you’ll be protected in case you lose computer programs or data, including any of your firm’s proprietary software.

Design Build Liability: Extends general liability coverage to eligible design build and/or "at risk" construction management projects.

International Coverage: Provides coverage for general liability, property, excess auto and employees' responsibility for your firms' work in a foreign country.

Accounts Receivable: How hard would it be to collect the money owed to you if your accounts receivable records were destroyed? Fortunately, our program provides valuable coverage to help you restore and replace those records and minimize your risk of loss.

Valuable Papers: Here’s another advantage worth writing about. On covered losses to your records, blueprints and sketches, our limit is significantly higher than the industry standard, if you elect this optional coverage.

Earthquake and Flood: Bet you didn’t know most standard insurance policies don’t cover earthquakes and floods. And bet you’ll feel a lot better knowing ours can provide a small amount of optional coverage.

(This list of coverages is a summary of the program’s features. Precise terms of coverage, including limitations and exclusions are set forth in the policy. All coverages may not be available in all states. Ask for details.)