Engineers or Architects--Consulting--Not Engaged in Actual Construction

What Does GL Code 92663 Cover?

ISO GL class code 92663 is designed for consulting engineers and architects who provide professional services without engaging in any actual construction activities. This code specifically classifies firms that offer design, planning, and advisory services, focusing on intellectual contributions rather than physical building or oversight of construction sites.

Who Uses This Class Code?

This code applies to independent consulting engineers, architectural design firms, civil engineering consultants, structural engineering consultants, and landscape architects who primarily offer design and advisory services. It also includes firms specializing in feasibility studies, project management, and technical consulting for construction projects, provided they do not perform or supervise physical construction.

Common GL Claims for This Class

Common GL claims for consulting engineers and architects include third-party bodily injury or property damage occurring at their office premises, such as a client slipping and falling, or property damage caused by their employees during a site visit not related to construction.

Coverage Tips for Code 92663

• Ensure your policy includes Professional Liability (Errors & Omissions) coverage, as this is critical for claims arising from design flaws or professional advice, which are typically excluded from General Liability.
• Carefully review contracts with clients to understand liability clauses and ensure your insurance coverage aligns with contractual obligations, especially regarding indemnification.
• Maintain meticulous records of all project communications, design specifications, and client approvals to defend against potential claims of negligence or errors.
• For projects involving subcontractors, ensure they carry their own adequate General Liability and Professional Liability insurance, naming your firm as an additional insured where appropriate.