The Burns & Wilcox ProConstruct Program is an exclusive professional liability program designed to provide comprehensive, customized coverage to address the many exposures faced by the contractors, engineers and design professionals in the construction and manufacturing industries.



  • Exclusive coverage form and endorsements developed in-house by Burns & Wilcox Professional Practice Group
  • A.M. Best rating of A (Excellent) XV
  • Up to $5M primary limits, up to $3M Excess limits capacity
  • Professional Liability Insuring agreement includes affirmative coverage for bodily injury and property damage arising from professional services, up to full limits
    • Professional Services also includes coverage for pro-bono services
  • Pollution liability coverage for damages, cleanup costs and claim expenses from a pollution condition arising out of professional services, up to the full limit
    • Includes coverage for emergency clean-up
    • Mold included within the definition of pollutant
    • Coverage for non-owned included storage sites. OWNED site storage enhancement available
    • Coverage for transportation of pollutants
  • Technology Professional Services and Technology Products coverage up to full limit
  • Computer Network Security
  • Privacy Liability
  • Media & Advertising Liability including
    • Personal Injury
    • Third-party discrimination covered up to full limits


  • Rectification Expense coverage
  • Contractual Liability coverage included
  • Independent contractors covered under definition of insured
  • Faulty Workmanship
  • Contractor’s Protective Indemnity coverage
  • Punitive damages explicitly included in definition of ‘damages’, if insurable by law, up to full limits
  • Asbestos included within the definition of pollutant and professional services carve back for any claims that arise from your performance of your professional services that took place after Jan 1, 1990
  • Additional $150,000 coverage limit in addition to (will not erode) the policy aggregate for
    • Standard Supplementary Payments
      • $30,000 Regulatory & Administrative Actions (FHA/OSHA/ADA)
      • $25,000 Defense of Licensing
      • $25,000 Subpoena Assistance
      • $10,000 Loss of Earnings
    • Additional Payments
      • $100,000 Pre-Claims Assistance
      • $25,000 Workplace Violence Counseling
      • $50,000 Reputation Management – available by separate endorsement


  • Proactive in-house claims management through experienced professionals to assist with Pre-Claim Assistance
  • Free Contract Review Services available to all policy holders


  • Design Professionals
  • Engineering Professionals
  • Design and Construct Projects (Design Build Firms)
  • General Contractors, Specialty Contractors and Artisan Contractors
  • Construction Management Firms
    • Agency Construction Managers / Owners Rep
    • At-Risk Construction Managers
    • Project Managers