Architects & Engineers


RA&MCO Insurance Services, located in Concord, California, is one of the nation's leading insurers of Design and Consulting professionals. We are accessed through a nationwide network of independent insurance brokers. We provide a strong array of quality insuring security on behalf of A.M. Best rated A+ "superior" insurers of HCC Insurance Holdings, Inc. to best suit our policyholder's needs. Our goals are stabilization of insurance costs, reduction of loss exposure though risk management, loss prevention advice and assistance, and protection of professionals through expert claim handling.

Our new policyholders receive our risk management tools consisting of the Contract Reference Guide and our "10 Commandments of Loss Prevention". Our website has extensive risk management materials and articles.

RA&MCO Insurance Services is the Underwriting Manager for the Architects and Engineers professional liability programs on behalf of the HCC Insurance Holdings, Inc.

U N D E R W R I T I N G     P R O F I L E

Worldwide Coverage: Claims brought in U.S. territories and possessions or Canada.
Expanded claims territory may be available by endorsement.
RA&MCO Professional Liability Policy: (RA&MCO 3240 10/04)
Claims Made and Reported Form (Expense Included Within the Limit of Liability)
  • Easy to read policy form with Broad Professional Services coverage.
  • Coverage for Pollution Legal Liability arising from professional services.
  • Mediation Deductible Credit up to $12,500.
  • No Exclusions for either pollution or asbestos professional liability exposures.
  • Coverage for incidents reported to us during the policy period which ultimately develop into claims.
  • Automatic coverage for the policyholder's legal liability arising from professional services provided by joint ventures.
  • Optional Extended Reporting Periods for 12, 24 and 36 month durations are built into the policy form.

I N S U R E R     P R O F I L E
HCC Insurance Holdings, Inc.

U.S. Specialty Insurance Company
  • Best Key Rating 2005: A+ (Superior), XI
  • Licensed / Admitted: Admitted in all 50 states. (filing approval pending in some states).

Houston Casualty Company
  • Best Key Rating 2005: A+ (Superior), XI
  • Approved Surplus Lines: Approved Surplus Lines in all 48 states (except TX & NH).

HCC Specialty Insurance Company
  • Best Key Rating 2005: A+ (Superior), XI
  • Approved Surplus Lines: Approved Surplus Lines in Texas.

Annual Aggregate Limits:
Up to $5 Million
Split Limits are Available
Minimum Premium:
Minimum Deductible:
$5,000 Each Claim
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