Insurance Products

Professional Liability Insurance (Errors & Omissions)

Professional Liability insurance policies protect professional services firms against claims alleging negligent acts, errors or omissions in the performance of professional services. When comparing different policies, we will advise you on each company’s coverages and, more importantly, their limitations and exclusions.

In addition to your firm’s practice policy, we also offer Project Policies and Specific Project Excess limits.

Business Insurance (Property and Casualty)

We offer a full range of insurance products to protect your business. For design firms, unlike policies that a general agent may provide, we represent insurance companies that have created policies specifically for architects, engineers, surveyors, and other professionals.

  • Commercial General Liability
  • Business Auto
  • Workers’ Compensation and Employers’ Liability
    • Jones Act
    • USL&H
  • Umbrella and Excess Liability
  • Commercial Property
  • Crime / Employee Dishonesty
  • Cyber Liability

International Liability

Your firm may have projects outside of the U.S. that require employees to travel or work abroad. Your domestic based insurance policies have limitations for incidents that occur outside of the U.S., its territories, and Canada.

Firms conducting business internationally need to obtain additional insurance policies to protect their firm and their employees. Typical coverages include:

  • Foreign General Liability/Property Policy
  • Foreign Auto Liability
  • Foreign Workers’ Compensation/Employer’s Liability
  • Travel Accident
  • Kidnap & Ransom
  • International Medical
  • Defense Base Act

Management Liability

Directors and Officers Liability Insurance (D&O)
D&O policies provide financial protection for the corporate directors and officers against claims, most often made by stockholders and employees, alleging financial loss arising from mismanagement. Directors and Officers have a duty of care to make informed decisions, perform in good faith, act in the best interest of the company, and not to act to further their own personal interests. We will help design a program and strategies to help protect the leadership of your firm.

Employment Practices Liability Insurance (EPLI)
EPLI protects firms for claims made by employees against their employers for allegations of wrongful termination, discrimination (e.g., race, sex, age, disability, etc.), harassment, right to privacy, emotional distress and other employment practices. Although state and federal laws can apply differently to different size firms, virtually any employer is susceptible to employment practices claims. Claims of discrimination or harassment can also be brought by prospective employees.

Fiduciary Liability
Fiduciary Liability protects the plans and individuals acting as trustees or fiduciaries from lawsuits alleging errors or omissions in the handling of investment funds. The Employee Retirement Income Security Act of 1974 (ERISA) created a burden on fiduciaries and trustees of employee benefit and retirement plans. This insurance coverage would pertain, for example, to an allegation that a person in a fiduciary role gave bad advice to the plan, or made managerial or administrative mistakes, or failed to make prudent investment choices, or failed to calculate the plan benefits correctly. More than ever, employees and beneficiaries of retirement plans hold fiduciaries responsible for the prudent administration of fiduciary funds. Fiduciary Liability should not be confused with an ERISA Bond.

For more detailed information about insurance coverages, please see our newsletter entitled Typical Insurance Coverage for a Design Firm.

Professional Liability Insurance (Errors & Omissions)

Professional Liability insurance policies protect professional services firms against claims alleging negligent acts, errors or omissions in the performance of professional services. When comparing different policies, we will advise you on each company’s coverages and, more importantly, their limitations and exclusions.

In addition to your firm’s practice policy, we also offer Project Policies and Specific Project Excess limits.

Business Insurance (Property and Casualty)

We offer a full range of insurance products to protect your business. For design firms, unlike policies that a general agent may provide, we represent insurance companies that have created policies specifically for architects, engineers, surveyors, and other professionals.

  • Commercial General Liability
  • Business Auto
  • Workers’ Compensation and Employers’ Liability
    • Jones Act
    • USL&H
  • Umbrella and Excess Liability
  • Commercial Property
  • Crime / Employee Dishonesty
  • Cyber Liability

International Liability

Your firm may have projects outside of the U.S. that require employees to travel or work abroad. Your domestic based insurance policies have limitations for incidents that occur outside of the U.S., its territories, and Canada.

Firms conducting business internationally need to obtain additional insurance policies to protect their firm and their employees. Typical coverages include:

  • Foreign General Liability/Property Policy
  • Foreign Auto Liability
  • Foreign Workers’ Compensation/Employer’s Liability
  • Travel Accident
  • Kidnap & Ransom
  • International Medical
  • Defense Base Act

Management Liability

Directors and Officers Liability Insurance (D&O)
D&O policies provide financial protection for the corporate directors and officers against claims, most often made by stockholders and employees, alleging financial loss arising from mismanagement. Directors and Officers have a duty of care to make informed decisions, perform in good faith, act in the best interest of the company, and not to act to further their own personal interests. We will help design a program and strategies to help protect the leadership of your firm.

Employment Practices Liability Insurance (EPLI)
EPLI protects firms for claims made by employees against their employers for allegations of wrongful termination, discrimination (e.g., race, sex, age, disability, etc.), harassment, right to privacy, emotional distress and other employment practices. Although state and federal laws can apply differently to different size firms, virtually any employer is susceptible to employment practices claims. Claims of discrimination or harassment can also be brought by prospective employees.

Fiduciary Liability
Fiduciary Liability protects the plans and individuals acting as trustees or fiduciaries from lawsuits alleging errors or omissions in the handling of investment funds. The Employee Retirement Income Security Act of 1974 (ERISA) created a burden on fiduciaries and trustees of employee benefit and retirement plans. This insurance coverage would pertain, for example, to an allegation that a person in a fiduciary role gave bad advice to the plan, or made managerial or administrative mistakes, or failed to make prudent investment choices, or failed to calculate the plan benefits correctly. More than ever, employees and beneficiaries of retirement plans hold fiduciaries responsible for the prudent administration of fiduciary funds. Fiduciary Liability should not be confused with an ERISA Bond.

For more detailed information about insurance coverages, please see our newsletter entitled Typical Insurance Coverage for a Design Firm.

WHAT OUR CLIENTS HAVE TO SAY...

Harvard Jolly Architecture

As the President of Harvard Jolly Architecture, I would give my highest recommendation regarding JCJ Insurance. They have provided stellar trustworthy service to our firm and have gone well beyond what would be considered normal efforts to assist us in acquiring our professional liability insurance and further, have not hesitated to assist us with any questions or concerns that may have arisen.  Simply the best.

Fursan Munjed

Principal/Project Manager,
Pegasus Engineering, LLC

 

The team at JCJ has been invaluable to our organization from the days of our inception and through today. They have provided us with solid business advice as it relates to different forms of business insurance needs, and professional liability issues and updates. JCJ always goes the extra mile to make sure we receive the most value for the cost. They truly have been a great asset to our organization.

Kelly Eger-Smith

President/Owner,
American Environmental Consulting, Inc.

 

I have had the pleasure of working with the JCJ team for many years. When I started my our business in 2012, they were the first people I called. They walked me through all my options regarding coverage/cost as they truly understand my industry and needs. The contract review services they provide to me on an ongoing basis make them a true business partner of AEC.

CPH, Inc.

 

CPH, Inc. has had the pleasure of working with the principals of JCJ Insurance for our professional liability coverage. The excellent services from JCJ at renewal time extend to the daily services the principals and staff provide throughout the year. While they do not offer legal services, their assistance in reviewing contract provisions are invaluable. We highly recommend JCJ Insurance to other members of the architectural/engineering community.

HuntonBrady Architects

JCJ understands our work. We want to be sure we meet or exceed our clients’ expectations without overpromising or opening ourselves up to liability that would not be covered. We utilize the services of JCJ Insurance to assist us with developing a balanced and fair contract before the project begins.

Mark Adams

Chief Operations Officer,
Eleven 18 Architecture

 

Your team has consistently met our sometimes ridiculously pressing needs and over the life of our relationship you've continued to outperform our expectations by offering opportunities for us to reduce our costs and protect ourselves against loss. We consider JCJ a part of our team and look forward to continuing our relationship for years to come!

Sarah M. Blake

President,
Elipsis Engineering & Consulting, LLC

 

JCJ has consistently provided us an extraordinary level of service. We are especially impressed with their dedication to support our business. Their contract review services, newsletters, and industry updates are some of the few things that have benefited us in addition to the necessary insurance policies. Our firm has had a significant amount of growth and JCJ has assisted us in ensuring our business insurance needs are met.

M. Dwight DuRant, P.E.

President,
Zen Cohen & Associates

Zen Cohen has been in business for over 40 years. Until we attended JCJ’ seminar about 5 years ago, we thought our long-time insurance broker had us covered. Being engineers, we wanted to make sure. What we took from their seminar on coverage (and lack thereof), we quickly found out that we were living on the edge and didn’t know it. It also became crystal clear that we needed a firm that specialized in what we do for a living and not just a typical business. In working with JCJ, we are grateful that the finer points of design and construction law and liability coverage were brought to our attention so that we are now better positioned to withstand any mistakes we make and (more importantly), any unjustified attacks on our firm simply because we have coverage. Thank you for your expertise.