People on roof of construction site with a crane in the background

Projects E&O

A protective partnership

Solutions for complex risks

Target classes

  • Professional services provided on Canadian construction projects,
  • Can consider a large range of project types, from standard to complex
  • Can consider project delivery methods including (but not limited to) Design-Bid-Build, Design-Build, EPCM (Engineering, Procurement, Construction, Maintenance), P3 (Private-Public-Partnership), IPD (Integrated Project Delivery)
  • Architects, engineers and construction with comprehensive risk management practices, including in-house Quality Control / Quality Assurance procedures and protocols

What we’ve been writing

  • Project specific Contractor’s E&O coverage for a consortium made up of 3 of the largest contractors in Canada for a $2 billion private-public partnership (P3) project that will complete over 31 km of road construction in Calgary
  • Multiple project specific insurance policies, including Project Contractor’s E&O, for a public-private partnership (P3) project to build a biosolids processing facility that will process up to 60,000 wet tonnes of biosolids per year
  • Project specific A&E coverage for an 879K square foot, 32-storey office tower with 4 levels of below grade parking in downtown Toronto, with a contract value of almost $300M.

Generally excluded from appetite

  • Amusement parks
  • Dams / offshore drilling
  • Marine piers and ports
  • Direct mining (including tailings work and shaft mining)
  • Oil and gas pipelines (including non-destructive testing)
  • Product design for mass production
  • Residential condos
  • Tunneling
  • Suspension/cable stay bridges
  • New technology builds

Policy highlights

  • Multi-year option with annual reinstatement of limits
  • Pollution Incident coverage—BI/PD arising from the performance of Professional Services
  • BI/PD coverage in additional to third-party financial loss – arising from the performance of Professional Services
  • Mitigation of Loss: reimbursement of reasonable expenses to mitigate Damages resulting from a pre-claim Design Error
    • Supplemental Payments Extensions (no applicable Deductible)
    • Pre-Claims Assistance: resulting from Liberty investigations
    • Reimbursement Expenses: Actual loss of earnings and reasonable expenses when attending hearings, depositions and trials
    • Disciplinary Proceedings: Reimbursement of reasonable lawyer’s fees
    • ODA, NHA or OHSA Expense Reimbursement
    • Loss of Document(s)
  • Broad Definition of Professional Services including practice as an architect, engineer, scientist, construction manager, environmental consultant and LEED AP
  • Mediation Deductible Credit of 50% (to a maximum reduction of $25,000) for Claims resolved through Mediation
  • Coverage for Insured’s participation in a joint venture



Our difference

  • Excess Project-specific policies available
  • Dedicated and bilingual Contractors’ E&O underwriting and claims professionals
  • In-house claims handling expertise with local authority and specialization in architects, engineers, and contractors’ professional liability
  • International capabilities with more than thirty offices worldwide

Have a question?

Contact your local Liberty underwriter for more information.

Liberty Mutual Canada™ is the registered business name under which the Canadian branch of the Liberty Mutual Insurance Company operates in Canada. This literature is a summary only and does not include all terms, conditions, or exclusions of the coverage described. Please refer to the actual policy language for complete details of coverage and exclusions.