Michigan Architects & Engineers Insurance
Our focus on the design and environmental professions and our specialized expertise in this field provide our clients great value.
Here at Professional Concepts Insurance Agency (PCIA) we offer a variety of coverage options that can be tailored exclusively to you—custom-building the perfect professional liability policy for architects, engineers and environmental professionals. Additionally, we go far beyond your average insurance and risk management specialists; with Professional Concepts Insurance Agency (PCIA) on your side, you also benefit from:
- Specialized Professionals. Insuring Michigan and Illinois Architects, Engineers and Environmental Professionals for close to 25 years, Professional Concepts Insurance Agency (PCIA) is comprised of 6 professionals devoted to serving our Architects, Engineers and Environmental professional clients. We are by far the largest writer of design professionals in Michigan, and we are considered one of the leading specialists in the country. That means your account will be handled by experienced, highly trained individuals who understand your business and are committed to providing you a level of service unavailable elsewhere. We have the expertise you need to reduce your Total Cost of Risk and drive additional dollars to your bottom line.
- Risk Analysis. We deliver a systematic approach to evaluating and reducing your loss exposure. We do not believe you should insure every exposure. We do believe you should clearly understand your exposures and thereby make educated decisions to manage, control, retain or insure them.
- Market Knowledge. Our continuous study and assessment of the professional liability insurance arena enables Professional Concepts Insurance Agency (PCIA) to represent the key markets our clients need. Professional liability underwriters are located throughout the country and we make the extra effort to meet with them personally, face to face. Insurance is a relationship business and we treat our insurance company relationships with as much importance as our client relations. Our efforts enable us to effectively market your account to the right underwriters in order to obtain the appropriate coverage at the lowest realistic price.
- Risk Management. We have developed a series of custom questionnaires and checklists to help determine what you need to effectively manage and control your loss exposures.
- Contract Review. Every contract you sign has risk transfer implications. Premises leases, auto rental agreements, and professional services contracts - they all need to be reviewed by an experienced and knowledgeable agent for risk management and insurability implications. We will review your contracts to make certain you understand the risks you being asked to accept and we’ll advise you on whether they are equitable and insurable. (Our advice is not a substitute for a legal review.)
- Education. We can help you reduce your Total Cost of Risk, but we can't do it without your participation. To help you make educated decisions, we hold client educational seminars designed specifically for Michigan and Illinois Architects, Engineers and Environmental Professionals. These seminars include titles such as Contract Review, The Top 10 Things You Can Do To Reduce Your Cost of Risk, and Prevent Employee Lawsuits, to name a few. We also hold more general seminars that focus on risk management, sexual harassment (required by law for CA employers of 50 or more), human resources, post-accident response training and OSHA, to name just a few.
- Application Assistance. Many agents simply take your completed application and forward it on to the insurance company. At Professional Concepts Insurance Agency (PCIA), we review your application line by line so we can make certain that it is completed correctly and, equally important, that you understand the underwriting ramifications of each question. Another benefit of your insurance application is that it can serve as an audit of your business practices and we can help you determine which practice areas need to be addressed to lower your Total Cost of Risk.
- Professional Societies. Professional Concepts Insurance Agency (PCIA)’s professionals are active in many local professional associations including the American Institute of Architects, Structural Engineers Certification Board, ACEC Risk Management and Awards Excellence Committees. We contribute our time, money and expertise to advance the interests of these organizations and the professionals they serve.
- Professional Liability Agents Network (PLAN). Professional Concepts Insurance Agency (PCIA) is your only Michigan agency who is an active member of PLAN -- the Professional Liability Agents Network. PLAN is a group of independent agencies from across the United States, Canada and Puerto Rico that specialize in risk management and insurance for Architects, Engineers and Environmental Professionals. What does this mean for you? PLAN gives us access to exclusive resources and an information sharing network unparalleled in the insurance industry. It is a dynamic catalyst for providing you with more information and education programs. It also affords us the opportunity to regularly meet as an influential group with the underwriting community dedicated to Architects, Engineers and Environmental Professionals.
Contact Professional Concepts Insurance Agency (PCIA) today to learn about our diverse coverage options available in Michigan, Indiana, Illinois and Ohio!
