At XL Insurance's Design Professional group, we believe that being proactive is the best way to mitigate risk. That's why we offer a wide range of premium credits to clients who take steps to improve their business practices, including:

• Insurance education credits
  You can earn annual credits of up to 10% on your premium for completing our hands-on education programs. Many programs are also approved by the American Institute of Architects Continuing Education System (AIA/CES).¹
  
  
• Limitation of Liability credits
  Qualify for a credit of up to 15% by using Limitation of Liability clauses in your contracts. Our unparalleled Contract Guide discusses this powerful risk management tool in detail, offering sample clauses for use in a variety of situations.
  
  
• Contractual risk management credits
  Well written contracts are the best first defense against claims. If you incorporate at least three of our practices, you'll qualify for a 75% deductible credit (up to $35,000) for claims resolved within one year, or a 50% deductible credit (up to $35,000) for claims resolved after one year. The recommended practices are:
  
  1. Limitation of Liability
  2. Waiver of consequential damages
  3. Mediation for dispute resolution
  4. Documentation prior to the beginning of a sub-consultant's work: current professional and general liability insurance, or a fully executed, written agreement with your sub
  
  Learn more about contractual risk management credits.
  
  
• Mediation credits Resolve a claim through mediation and receive up to 75% of your deductible back for claims resolved within one year (50% thereafter), up to $25,000.
  

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Programs are registered with the national AIA, and units earned by architects are directly reported to the AIA by XL Insurance's Design Professional group. Engineers can, in general, use certificates of completion to self-report Professional Development Hours. Not all states and licensing boards accept these programs for learning units.