Professional Liability Insurance

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Professional Liability Insurance Highlights

Vital Coverage to Help Protect Your Career

The possibility of being sued is a reality for all engineers. Even if your name is cleared, the time taken away from work, not to mention the financial impact of defending yourself in a legal dispute, can be taxing. That's why securing high-quality Professional Liability Insurance coverage is crucial. The ASCE Professional Liability Program provides you with high-quality coverage that protects you from negligent acts, errors, and omissions, at special ASCE members-only group rates.

Innovative Features

As an ASCE member, you'll enjoy many valuable program features, including:

  • Coverage limits to fit your firm's unique needs–up to $5,000,000'
  • New: Deductible Reduction Options available that could reduce your deductible by up to 50%
  • New: Risk Management Hotline providing two free hours of legal support from an experienced attorney–email or call 855.955.2723
  • New: Subcontractor Coverage adds “Subcontractor” to the definition of Insured*
  • Improved: Payment of up to $25,000 for state licensing board or governmental regulatory body defense costs
  • Representation by knowledgeable defense attorneys
  • Reimbursement of up to $500 per day for lost earnings
  • Strong, secure insurance carrier
  • Automatic claims-made or optional prior-acts coverage for qualifying firms
  • Competitive rates
  • Possible eligibility of up to a 10% discount at renewal for attending live seminars and webinars
  • Access to cost-effective premium financing
  • For firms located outisde the ASCE program's states, Pearl Insurance offers alternative placement options

*Available on a case-by-case basis; subject to underwriting approval.

Coverage That's Right for You

  • Exclusively Endorsed by ASCE
    Gain peace of mind knowing this insurance protection is from a partner you can trust. Plus, it's backed by a respected, financially stable insurance company—rated A (excellent) by A.M. Best Company.
  • Compensation for Lost Earnings
    Pays insureds up to $500 per day for attendance at a qualifying trial, hearing, or arbitration proceeding, up to an aggregate of $7,500 per claim/per policy period.
  • "Prior Acts" Coverage Available
    Extends coverage for claims made during the policy period resulting from acts that occurred prior to the issuance of the policy (for qualifying firms).
  • Premium Financing
    Available for qualifying firms through BankDirect Capital Finance.
  • Free Risk Management Hotline
    Assists current professional liability policyholders by identifying and establishing risk management best practices to help avoid claims and limit exposure. Enjoy two free hours of support, including contract review.

Professional Liability FAQs

Can I get an estimate over the phone or simply by telling you my billings?

No. Due to the multiple factors that go into preparing your quote, we must receive a completed application for underwriting to be able to determine a premium.

I have already filled out an application for my renewal/for a competitor. Do I have to fill out the ASCE application, too?

You may submit the other application for underwriting to review and offer a premium estimate. If you choose to purchase coverage through the ASCE Professional Liability Program, you will be required to complete the ASCE application form to bind coverage.

Do you offer quotes through sub-producers?

No. Because of our relationship with ASCE, we market directly to its members and do not work through sub-producers. If you have a client who is an ASCE member, please put them in touch with the ASCE PL Department at 888.619.1908 or by email to

May I pay using a credit card?

No. At this time, we offer two payment options: payment in full or premium financing through BankDirect Capital Finance. The general financing terms are 25% down with 8 monthly installments.

Do I have to be an ASCE member to purchase this coverage?

Yes. This coverage is a benefit for ASCE members and is not available to non-members.

Do I have to be a licensed engineer to purchase this coverage?


I am employed full-time, but want to purchase coverage for "side jobs." Do you offer that coverage?

Yes. We offer "moonlighting" coverage that will protect you for work you perform outside your full-time employment.

How long does it take to obtain a quote?

Please allow 1-2 weeks for your application to go through underwriting; however, if you are under any extenuating circumstances, please notify us of that fact, and we will do our best to expedite the process.

I am a geotechnical/environmental remediation engineer. Does your plan cover my activities?

This exposure is severe. We may have to decline coverage through the ASCE Program, but will attempt to place it with our Pearl Specialty Underwriters Unit.

How can I learn more about the ASCE Professional Liability Plan?

View the Professional Liability Flyer


Contact Pearl Insurance for information about the Plan’s features, cost, eligibility, renewability, limitations, and exclusions.


Professional Liability Insurance Forms


Plan Highlights

New Business Application

Renewal Application

Supplemental Application

Claim Information Supplement

Do You Know Who to Call for Help?

Claim Reporting and How to Protect Your Insurance

You may mail, fax, or email your completed form(s) to:

Pearl Insurance
Attn: ASCE Professional Liability Department
1200 East Glen Avenue
Peoria Heights, IL 61616-5348


Since its beginnings over 300 years ago, Lloyd's has grown to become the world's leading marketing for specialist insurance. Lloyd's is renowned for its extensive expertise and know-how in understanding and evaluating risks, making it possible for them to cover some of the most intricate in the world. Lloyd's is rated "A" (excellent) by A.M. Best and A+ by Fitch and Standard & Poor's.

Lloyd's of London Key Facts Sheet
AM Best Financial Strength Ratings
Secure Vulnerable
A++, A+ (Superior) B, B- (Fair)
A, A- (Excellent) C++, C+ (Marginal)
B++, B+ (Good) C, C- (Weak)
  D (Poor)
  E (Under Regulatory Supervision)
  F (In Liquidation)
  S (Rating Suspended)

Benefits to becoming a Diplomate

Your dedication to the Academies of ASCE qualifies you for a Diplomate Professional Liability credit. This credit is an exclusive Diplomate discount on your ASCE professional liability insurance that could range from 5 to 7.5%. In many cases, the value of this discount alone may exceed your application and recertification costs.

ASCE’s Insurance Brokers with Lloyds of London recognize the value of Board Certification, knowing the Diplomate has demonstrated the mastery and use of a specialized body of knowledge, superior experience, strong ethics, and have a commitment to lifelong learning.

While our underwriters have the final decision on providing insurance after proper evaluation of your firm and its history, we will work with you to make sure you receive a fair premium and the premium credit that celebrates your expertise, strong ethics, and commitment to excellence. For more information, contact an ASCE Professional Liability Specialist at 800.650.2723.

Educate yourself for a premium credit!

If you attend one of ASCE's live in-person seminars, you may qualify for a 10% discount on your renewal (5% discount for live webinars).*

Contact the plan administrator for more information and how to claim your discount.

*Certain restrictions apply.

© 2011 Pearl Insurance, Plan Administrator ph.800.650.ASCE(2723)
1200 East Glen Ave|Peoria Heights, IL 61616 fx.866.817.9009
CA License #0A15583



The information provided within this section describes benefits available through this insurance program and is intended to provide a brief overview of the coverage. All Plan benefits, limitations and exclusions are contained in the Certificate of Insurance for that specific Insurance Plan. Insurance coverage and availability may differ as regulated by each State. In the event of any conflict or inconsistency between the information on this site and the information contained in the plan documents, the plan documents will govern. For questions and clarity on plan details, please contact the Program Administrator, Pearl Insurance at 1.800.650.ASCE (2723).