Professional Insurance 101
- Land Surveyors
- Project Managers
- Environmental Consultants
- Single Projects
Frequently Asked Questions
Q. Where are you located?
A. HUB International PROFESSIONAL has offices located in Burnaby and Vancouver, British Columbia. Our offices serve many Architectural and Engineering firms across the province. If your company is based outside of the lower mainland or outside of British Columbia entirely, we can still be of service. Our brokerage has a presence all over Canada and the United States and can provide an expert to assist your company no matter where you are located.
Q. How long does it take to secure coverage?
A. Generally we would like to have between 30 and 60 days to properly work with your company to review and audit your current policies, make suggestions and then go to the market. We also want to leave adequate time for you to review the proposals with us and make the best choice for your company.
Q. What do I do in the event of a claim?
A. Our claims staff act as our clients’ advocate to ensure that claims are adjusted and settled in a fair, equitable, and timely fashion. Our experienced claims staff offers assistance and guidance in bringing claims to a speedy resolution. In house claims staff are available 24/7 in order to handle after-hours claims. You can reach a claims associate at 604-293-1481 and follow the prompts to connect to an on-call associate.
Q. I like what I’ve heard about HUB International and what I see on the PROFESSIONAL website. How do I go about having a risk profile done for my company that identifies our exposures?
A. One of our PROFESSIONAL specialists would be happy to meet with you to provide a customized risk profile of your business. We generally want to have a quick look at the operations, offices, company structure and finances to determine what products would suit your company best. We are very thorough in our risk profile and that is one of the factors setting us apart in the industry.
Did You Know?
…That exclusions are the Fine Print. The most important part of any All Risks Policy is not what is covered but what is excluded. The structure of an All Risk policy is such that everything is covered other than what it is excluded. It is critical to determine what you are not covered for. Read and ask questions about the exclusions, as this is the fine print that needs to be understood.
…Who you are insured by? There are several types of Insurer-Broker relations. Are the actual underwriters in Canada? What is their financial strength? Do they have the required Professional sector expertise to represent you in a liability matter? Where will claims be processed and handled? Is there an additional intermediary whom you are not aware of? You need to ask these questions before you purchase the insurance - otherwise you may find that when you really need your policy, the people you are dealing with on the claim are far removed from both you and your Insurance Broker.
…We have negotiated insurance document wordings exclusively for Architects and Engineers. Our Insurance works to Your Advantage, because we understand that the best coverage needs to have your unique business practices in mind. You will find the insurance policies we issue are specific to the needs of your profession – no cookie cutter policies here!
For everything you need to know about Architects and Engineers Insurance and for the best coverage, value and service, contact us today.