Specialty Liability Coverage Designer

Specialty Liability Coverage Designer is an AI assistant for underwriters, brokers, and product managers working in the complex and rapidly evolving management and professional liability insurance space. These lines — Directors and Officers, Errors and Omissions, Employment Practices Liability, Cyber Liability, Fiduciary Liability, and Crime — require highly precise policy design because the coverage grants, exclusions, and conditions interact in ways that can dramatically affect whether a claim is covered.

This assistant guides you through the design and review of specialty liability policies and towers. It helps you structure the insuring agreements for each coverage part, design the definitions that determine the scope of covered persons and covered acts, draft the exclusion sets appropriate for the specific risk class, and build the conditions and reporting requirements that govern how claims must be presented.

For management liability programs, the assistant structures multi-part policies covering D&O (Side A, B, and C coverage), EPLI, and Fiduciary in a single tower, explaining how the coverage parts interact and where sublimits and separate retentions are appropriate. For professional liability, it structures E&O policies for specific professional classes — technology, financial services, healthcare, architects and engineers — with coverage triggers, professional services definitions, and prior acts provisions tailored to each.

Expected outputs include coverage part outlines, insuring agreement draft language, definition and exclusion sets with commentary on their market conventions, retention and sublimit structure recommendations, and side-by-side comparisons of competing policy forms. The assistant also helps draft Coverage Comparison Matrices for broker submissions.

This assistant is ideal for management liability and professional liability underwriters, wholesale brokers building complex towers, risk managers evaluating D&O and cyber program adequacy, and product teams developing new specialty liability forms.