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A recommendation about releasing equipment to service can carry different duties from an office-only assessment. Describe your technical approval role expressly; a generic consulting certificate does not establish protection for nuclear-related work.
The Southern Agency can help you identify gaps between standard consulting policies and the unique demands of nuclear-related engagements.
You provide engineering advice, regulatory support or technical assessments for nuclear facilities. A flawed report, oversight error or on-site mishap can create liability that differs from ordinary consulting work.
The Southern Agency can help compare your engagements and client contracts with proposed insurance. We can identify where insured-service definitions, nuclear exclusions and site-work responsibilities need more specific attention.
A client may allege that a recommendation, calculation, or assessment contained an error. The scope of insured professional services needs to be compared with the actual engagement, including any work performed by subcontracted specialists.
Indemnity provisions, warranties and responsibility for the client's losses can create obligations beyond the consultant's ordinary duties. Ask counsel and the insurance adviser to review the same contract; buying a policy does not establish that every contractual obligation is insured.
Site visits introduce employee injury and third-party liability questions that differ from office-based work. Describe where consultants go, the tasks they perform and the site's access and safety requirements.
Technical documents, client systems and confidential communications can be exposed through unauthorized access or a security incident. Review the firm's data access, responsibilities to clients, and incident-response arrangements.
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
A client alleges that a consultant's assessment caused it to commission unnecessary work. Compare insured professional services and claimed damages with the technical approval trail and relevant nuclear or professional exclusions. Neither the demand nor client approval establishes that the loss is covered; actual engagement acceptance and terms must be confirmed.
An employee accidentally shares a confidential technical report outside the approved project team. The firm needs to examine its contractual reporting duties and potential response costs. Cyber coverage cannot be assumed merely because the information was sent electronically. Review the defined disclosure event, sensitive data, reporting/consent duties, and nuclear exclusions before incurring response costs.
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
The operations are different. A consultant should describe its own professional services and site activities. Neither the plant's policies nor a standard consultant policy should be assumed to cover the consultant's nuclear-related engagements.
No. The insured-services definition, exclusions, and endorsements need specific review. A policy title or general description is not evidence that a particular nuclear-related engagement is covered.
Do not assume it does. An umbrella or excess policy has its own coverage terms and may follow exclusions in the underlying insurance. Review the full arrangement for the actual services.
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.
