Autopsy of a claim

Autopsy Definition: a critical examination, evaluation, or assessment of someone or something past. When reviewing the details of a large claim, it is often difficult to pinpoint how things could have been done differently. But after the claim has been resolved, I think it is important for firm leaders to take a step back and... Continue Reading →

Do you want less risk? Become a physician.

The medical profession has always complained about being sued and paying for insurance. That complaint has fueled tort reform efforts and is often blamed for soaring health care costs. But compared to design professionals, medical doctors face less risk of negligence claims, and the risk they do face is more manageable. A recent study has... Continue Reading →

Resource Review: Benchmarking and Claims Studies

Being the oldest professional liability insurance program certainly has its advantages. One of those advantages is access to a database of more than 50 years worth of claims data. This allows our program to provide meaningful benchmarking and claims information to insureds and brokers to aid them in choosing appropriate levels of coverage and deductibles... Continue Reading →

Dealing with mistakes

Doctors bury their mistakes, architects cover them with ivy, and engineers write long reports which never see the light of day.     - Unknown Mistakes happen. And when they happen, they can rarely be swept under the rug. If you discover that a mistake has been made and it is necessary to make corrections, it is... Continue Reading →

Claims-Made vs. Occurrence-Based Insurance

Recently we have been seeing an increase in insurance requirements for design professionals that include professional liability insurance written on a per-occurrence basis, rather than on a claims-made basis. In the past, we frequently assumed this was an error on the part of the insured’s client—confusing occurrence-based general liability and automobile coverages with claims-made professional... Continue Reading →

Architect Sentenced to One Year in Prison

In March of 2012 we wrote about the case where Los Angeles officials brought involuntary manslaughter charges against an architect for the installation and construction of fireplaces that did not meet building codes. The fireplace, which was manufactured for outdoor use, was allegedly built into the house with wood framing and combustible drywall normally used... Continue Reading →

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