FAQs

What is Primary Professional Liability Insurance and do I need it?

Primary Professional Liability insurance protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, or omission that has arisen out of your professional capacity as an engineer. Your coverage insures payment of both compensatory damages and legal costs associated with a claim.

If you or your firm offer and provide professional engineering services to the public, you or your firm must hold a Certificate of Authorization (C of A). C of A holders assume professional responsibility for the services provided and are generally required to carry Primary Professional Liability insurance.

How can I purchase Primary Professional Liability insurance?

Completed applications can be submitted to BMS Group via email at ospe.insurance@bmsgroup.com or by mail. For any questions please contact BMS Group by phone at 1-844-294-2717.

What is Secondary Professional Liability Insurance and do I need it?

Secondary Professional Liability insurance protects individuals against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, or omission that has arisen out of your professional capacity as an engineer. This coverage is intended to supplement existing professional liability insurance, which members may hold through their employers or their own policies.

This coverage is not for firms, corporations, public entities or employers as these groups may be expected to carry specific professional liability coverage as part of their business.

How can I purchase Secondary Professional Liability Insurance?

All OSPE professionally licensed, associate, and intern members in good standing automatically receive Secondary Professional Liability Insurance. This policy renews July 1.

What Business Coverage is available through the OSPE program?

Participants with Primary Professional Liability Insurance through the OSPE program have access to discounted Business coverage, including Commercial General Liability Insurance, Property and Directors’ and Officers’ Liability Insurance. Cyber Security and Privacy Liability coverage is also available.

How can I purchase Business Coverage?

Completed applications can be submitted to BMS Group at ospe.insurance@bmsgroup.com.

I am planning to retire. Can I stop carrying professional liability insurance?

OSPE Professional liability insurance coverage is written on a “claims made” form. This means that a policy must be in place when a claim is made, regardless of when the actual event took place. “Claims made” policies provide coverage as long as participants continue to renew insurance each year.

In the event that you retire and do not renew your Professional Liability insurance coverage, you are eligible to purchase Extended Reporting Period coverage. Extended Reporting Period (tail coverage) must be purchased within 30 days of your policy expiry date.

Please contact BMS Group at by phone at 1-844-294-2717 or by email at ospe.insurance@bmsgroup.com to purchase Extended Reporting Period Coverage or for more information.

What advantages does this group plan have for members?

The group plan allows participants to pool their collective risk and negotiate better rates with insurers – resulting in a more cost-effective product and premium savings for participants.

I’m not a member of OSPE. Am I still eligible to purchase insurance through this program?

All engineers are able to participate in the OSPE Insurance Program, regardless of OSPE membership.