Chevy Chase, MD-Victor O. Schinnerer & Company, Inc. has developed a three-year professional liability policy for small specialty construction, environmental consultant and design firm accounts.

The small account multi-year policy offers lower minimum premiums and deductibles than Schinnerer's traditional professional liability programs for specialty construction consultants, environmental consultants and design firms. It is also available to newly formed firms with experienced principals. The program benefits include:

• Three-year policy term
• Minimum premium of $1,000, with a $1,000 deductible
  
• Full prior acts coverage after one year of continuous coverage
  
• First dollar defense for qualifying accounts
  
• Payment plan option if premium is over $5,000

The small accounts multi-year program is available to firms that meet the following qualifications:

• Less than $250,000 in annual billings
• Loss ratio less than 70 percent
• Acceptable claims frequency
• Perform no contracting activities

For more information on our professional liability programs for design professionals, visit our website at: www.Schinnerer.com or www.PlanetAEC.com.