Coverage for Owner Representation Services
Structured around how projects are overseen on behalf of owners, and how risk presents across that role.
Owner's representatives act on behalf of project owners to oversee planning, coordination, and execution. Their work may include managing consultants and contractors, reviewing progress, and advising on decisions.
Exposure is tied to how responsibilities are defined and how decisions are communicated across multiple parties.
We review how your services are structured before making any recommendation.
Where Exposure Tends to Arise
How Risk Typically Presents in Owner Representation
Project Oversight
Involvement in coordination, monitoring, and decision support across the project lifecycle.
Communication Between Parties
Information is shared between owners, consultants, and contractors.
Advisory Role
Recommendations may influence project direction, cost, or schedule.
Defined Scope of Responsibility
The role may vary by project and is often shaped by contract terms.
What We Place
Coverage Typically Considered for Owner’s Representatives
Coverage is considered based on how your firm operates, the types of projects you take on, and how your contracts are structured. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Professional Liability
Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
Worth Reviewing
How Authority and Responsibility Are Defined
Owner representation agreements define level of authority, scope of oversight, and role in decision-making. Clarifying how your role interacts with other project contracts is important.
Insurance requirements are worth reviewing against your current coverage before work begins.
The Process
How We Approach It
From initial conversation to structured recommendation, every step is deliberate.
Step 1
Understand Your Role
We review how you interact with owners, consultants, and contractors across the project lifecycle.
Step 2
Review Existing Coverage
We assess current policies, including limits and exclusions, against how your services are delivered.
Step 3
Align Coverage and Responsibilities
We consider how your coverage supports how your role is defined and carried out.
Common Gaps
Where Oversight and Responsibility Blur
Challenges arise when responsibilities extend beyond what is formally defined. Advisory input interpreted as direction, coordination roles assumed to include control over outcomes, decisions made on incomplete information.
Coverage that appears sufficient at a high level may not reflect how responsibilities are perceived in practice.
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Tell us about your firm and the work you take on.
We'll take a look and share what we find.