XL Design Professional Program Overview

XL Design Professional carries forward the founding principles of DPIC, dedicated to creating a specialized professional liability program that not only covers professional liability risks through insurance, but minimizes those liabilities through active risk management and expert claims service. The following three principles were true innovations in professional liability in the 1970s and continue to make us the leader in these areas:

• Professionals can reduce liability exposures and insurance premiums through innovative loss prevention and risk management techniques.
• When disputes do occur, they can often be resolved amicably, without litigation and without destroying business relationships.
• Specialized, knowledgeable insurance agents can and must serve as valuable business partners to our clients.

Today, XL Design Professional's highly specialized team of insurance professionals and network of knowledgeable, independent agents are on a mission to provide innovative, client-driven products and excellent policyholder services.

Client Service

XL Design Professional's exclusive agency force and regional offices are dedicated to meeting the unique loss prevention and risk management needs of specific groups of clients:

• Architects
• Engineers

XL Design Professional 's extensive library of loss prevention publications provides ready resources for all its insureds.

Loss Prevention and Education

XL Design Professional is convinced that professionals who are knowledgeable about liability exposures and who use good risk management techniques are in a better position to prevent losses and mitigate claims. As such, we reward our eligible policyholders — through premium credits of up to 10 percent per year — for taking the time and effort to educate their employees through the successful completion of our courses.

XL Design Professional’s Professional Liability Education Program (PLEP) offers courses — exclusively to policyholders — that are designed to make you aware of where the risks lie, give you the tools and tactics to address those risks, and help you find meaningful ways to apply what you’ve learned in your firm. Our programs have the added benefit of providing continuing education units (many of them Health, Safety and Welfare qualified) that can help you meet your license requirements.

Claims Handling and Dispute Resolution

Expert claims professionals operate out of five regional offices and a number of satellite offices. XL Design Professional's "Early Warning Program" provides loss prevention services before a formal claim is made, often at no charge to the policyholder's deductible or limit. And our "Mediation Works!" program reimburses policyholders up to 75% of their deductible when a dispute is resolved through formal mediation.

Specialized Underwriting

Our highly trained underwriters operate from five regional offices so they can grasp the unique risk and insurance issues associated with the specific regions and client groups they serve.

Special Programs

XL Design Professional has developed an array of tailored programs to meet special needs:

• DPRCG, Design Professionals Risk Control Group, is a risk purchasing group for large design firms to minimize and stabilize the cost of professional liability insurance.
• XL Design Professional's Small Firm Program that offers low-cost coverage for architectural and engineering firms with annual fees up to $500,000.

All references on this website to agents and/or brokers refer to insurance producers under applicable state law.

(Note: the outline above provides program highlights only. Please refer to policy language for specific details.)