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RE: E&O Coverage

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I have an interesting twist on this.  I am the chairman of a building
committee at my church that is responsible for a $1 million+ new
sanctuary building.  It's all wood frame, by the way, with a basement.
Our architect does not presently have E&O insurance.  We have asked him
to pursue coverage and he came back with some numbers like
$250,000-$300,000 coverage for a premium of $5,000.  The two architects
on our committee are giving him a hard time that this is not enough
coverage for our project.  They maintain that the standard in the
industry is $1,000,000 of coverage and should not be hard to obtain for
a reasonable price.  It is interesting to be on the other side of this
issue and feel like we are exposed to undo liability if we do not insist
on adequate coverage.  I'm interested in further thoughts on this and
Dennis' question.

Kent Estes, S.E.  

> ----------
> From: 	Dennis S. Wish PE[SMTP:wish(--nospam--at)]
> Sent: 	Monday, November 10, 1997 4:43 PM
> To: 	'seaoc(--nospam--at)'
> Subject: 	E&O Coverage
> I have a potential new client that would require me to have E&O 
> coverage. He has not stipulated a required amount of coverage, 
> but would rather leave it to me to determine what is sufficient. 
> The projects that he has are typically limited to wood frame 
> commercial structures and large residential custom homes. The 
> two projects that I am to give a bid on are both one story 
> projects 11,000 square foot each. One is a renovation to an 
> existing wood frame commercial structure. The other is a very 
> large one story custom home.
> Can anyone advise me as to how much coverage I should carry and 
> what kind of deductible I should be paying. I understand the 
> average deductible for a small firm such as mine is around 
> $5,000.00.
> Can you also recommend a carrier and possibly email me a contact 
> privately.
> I also understand that ASCE offers an inexpensive policy to 
> their members. Can anyone who is familiar with this provide me 
> with some information.
> You can contact me privately at wish(--nospam--at) unless you 
> feel that the thread will be of interest to others.
> Thank you,
> Dennis S. Wish PE
> Wish(--nospam--at)