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PA System Malaysia | Public Address System Malaysia | LED Moving Head Malaysia | Architectural Lighting Malaysia | Stage LED Lighting Malaysia | LED Studio Malaysia | Microphone Sell In Malaysia | Line Array Malaysia | Pro Sound Speaker Malaysia | Flight Case Supplier Malaysia | Fog Machine Malaysia | Audio Mixer Malaysia | Active Subwoofer Malaysia | Professional Light & Sound Distributor Malaysia | Professional Audio Malaysia

About Us

Message from CEO

Acoustic Lighting System will be the leading distributor of audio visual, stage effect lighting equipment in the region

The Company

A household brand name in the distribution of professional sound, lighting and accessories solutions, ACOUSTIC LIGHTING SYSTEM (A L) is an industry leader as well as a respected player in the fields. Boasting two-decade of experience, A L has gained the reputation of being one of the most reliable distributors of today s most sought-after brands for lighting and sound equipment.

With strong corporate direction and precise positioning in the market, the company continues to expand as the years go by. Now, it has more than 9 physical premises that cater to a diversified market that include Malaysia, Singapore, Thailand and Indonesia.

Today, its famous orange on white logo has been synonymous with the image of reliability and serves as a constant reminder of the company s exceptional growth and progression throughout the years.

Service Support

A L believe that after-sales service is an important component to warrant long-lasting customer loyalty. That is why the Acoustic Lighting Service was incepted in 1994. This dedicated service and maintenance division specializes in providing efficient services in monthly maintenance and installation of equipment, sales supports services, equipment testing and maintenance and of course, after-sales service. The division is supported by a small team of management, technical workers, administration staff and as well as repair and maintenance team to make certain a smooth and efficient operation is upheld within. Their service and expertise are approved and supported by the manufacturers and they constantly provide product training, and follow-up services to our clients in all regions.

In 2014, the A L Service is further boosted by the establishment of the Project Defects, Audio, Lighting team – a smaller, more project-oriented division that corrects errors, checks defects and repairs equipment from the Project division of the company.

Divisions

A L s Headquarter is located in Malaysia in the commercial district of Puchong, Selangor. It is made up of several blocks of buildings that consist of a well-rounded Service Center, a spacious Warehouse, four multi-functional Product Showrooms and a flexible workspace area for various dedicated divisions.

Located at a stone-throw away from the front door of the Headquarter is the Warehouse. Recently renovated, it now boasts a cleaner layout and a more secured and pleasant environment to give customers the best experience out of their inventory-related needs. With the latest in barcode tagging, CCTV surveillance system, RedPrairie Management System, the objective of providing a fast, reliable service is uphold and maintained throughout the years.

To provide a unique and memorable experience for the customers, the Showrooms are partitioned into several different smaller units, each catering to one professional product or brand. The Public Address Showroom presents all of the most trustworthy brands of low-voltage and conference equipment, giving customers more choices in making a better decision. The Sound Showroom and LED Showroom cater to audio and lighting products respectively. There is also the Sennheiser Showroom, a wide and multi-functional space dedicated to all-things related to the microphone giant from Germany. In 2014, the Sennheiser Showroom was scheduled to undergo a facelift soon, a makeover project that not only enhanced the aesthetic level of the space but also to provide a more comfortable viewing experience for our customers.

Assisted by our team of well-trained professionals in the lighting and sound fields, customers are ensured of a smooth, effective product selection. We are dedicated to our customers every need and believe that it is our personal goal to make the customers experience in our Showroom as pleasant and smooth as possible.

Products Brands

Our range of products covers well-founded and world-renowned brands that cut through four main product categories that include Sound, Lighting. Video and Accessories. It is our utmost priority to provide customized solution to fulfill our every customer s individual needs.

In year 2013, we have obtained the rights to supply a full range of Sennheiser microphone systems to several prominent Malaysian artists for their various performances and stage appearances. So far, Sennheiser microphones had shared the stage and helped boost the performances of Jaclyn Victor, Tomok, Black RJ.

Overseas Divisions Affiliates

Apart from successful local operation and having 5 highly committed branches in different states in Malaysia, A L has expanded and established in other market in countries primary in Singapore, Thailand and Indonesia, with An individual division within each country leads the respective operations. With strong foothold in these markets, A L are a leading major force not only in its homegrown ground, but a formidable player in various parts of the region. As cultural diversification is always the key aspect in each of respective country, A L had invested countless hours, plenty of human resources and efforts in understanding the unique traits that separates each country and this uniqueness is also what unites each and every one on them to a common goal.

A L s strategy proves to be successful as they are able to correctly position themselves in each specific market and provide the right solution that fits the requirement of the audio and lighting industry for different clients in different regions.

Another division comes in the form of an associate company – AFS Engineering (MALAYSIA) Sdn. Bhd which plays a major role in supporting A L s operations both local and overseas. With 30 years of experience in the field, AFS is an expert in providing services in system design and integration for Extra Low Voltage, Broadcasting, Audio Visual Information Technology, Lighting and Studio.

The company is notable for handling various landmark projects that include the installation and maintenance of equipment for premises such as Bangunan Sultan Abdul Samad, Mid Valley Art Center and the Gardens Mall, Double Tree Hotel in Kuala Lumpur, Legoland Malaysia in Johor, and for Radio Televisyen Malaysia in various states of the country. In 2012, Mass Rapid Transit Corp Sdn Bhd (MRT) awarded AFS with a contract to supply the SCADA facility – a system used to monitor and control industrial processes for the upcoming MRT extension projects in Selangor.

Manpower

To support its rapid growth and expansion, A L knows that it needs to be supported by a team of talented workforce. Boasting a lineup of more 200 dedicated staff in various regions, A L consistently focus on providing various training programs, seminars and technical learning experience to help expand on the potential of their employees. Through training and development programs, A L also hope to reinforce the notion of continuous improvement within the organization.

Because of the diverse job roles and market applications, A L understand that wide range of training programs are the key to strengthening employees capabilities. That is why various training programs had been carried out to success. From coaching and mentoring classes, foreign language program, business writing workshop to customer service training and soft-skill program, the aim is to produce a well-rounded employee that will serve our customer and ensure they 100% satisfied and happy with our offerings. We often encourage our staff to attend trainings, seminars and product launchings in another countries to keep abreast of the latest changes in the industry.

Even though the employees are from different functional areas in different geographical location, they stand for one idea in mind: to provide wide range of value-added services to their customers. They believe that good customer service is the lifeblood of the organization.

In A L, customers can expect quick and effective service, thanks to the friendly and customer-oriented sales team who is always ready to assist. This team of qualified professionals is always at their customer s call to render prompt and efficient after-sales-service, if ever the need arise.





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Price plan X

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Bargain prices

Why bother doing your own bookkeeping when you can use our experienced bookkeeper for under $10 an hour? If you wish, you can also choose a monthly fixed price option.

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Internet and technology allows us handle your bookkeeping whether you are local to us in Pittsburgh, Pennsylvania or anywhere else in the USA.

Guaranteed data security

Why bother risking your information with work at home bookkeepers? We offer comprehensive data security for your peace of mind.

Short or long term engagement

We are very confident about the quality of our work. That’s why we don’t lock you with a long term binding contract. You have absolute control.

13+ years experience (since 2004)

You cannot afford to leave your bookkeeping with inexperienced people. We have been in the business for more than 13+ years. You can count on us.

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Why run the risk of using a bookkeeper with no qualification? All our bookkeepers are 100% certified with many years of bookkeeping experience.

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  • High dismissal rate for TMB and state board complaints
  • Former TMB Attorneys & State Prosecutors
  • AV-RATED and Peer Reviewed Attorneys by Martindale Hubbell
  • Firm Attorneys include Board Certified Specialists in Administrative Law, Labor and Employment Law, and Criminal Law
  • Approved in-network counsel for major Texas insurance carriers

Call for a FREE consultation

Texas Medical License Lawyers

The Texas medical license lawyers of the Leichter Law Firm PC are devoted to the legal representation of physicians, medical professionals (i.e. nurses, pharmacists, and dentists) in administrative licensing and healthcare matters in both state and federal disputes, regulatory inquiries and investigations, criminal defense and healthcare related transactions. We are a physician/clinician-friendly firm, and do not represent entities who have filed a complaint and caused an investigation by a regulatory body or board which could result in a restriction of the provider to engage in their ongoing profession. We have made this choice decisively, despite financial incentives to represent interests adverse to those the firm believes are paramount to the delivery of safe and effective healthcare to the public at large. In short, we do not represent hospitals, but focus on the provider, who we believe is the mainframe and ultimate differential that distinguishes the delivery of optimal medical care.

Since our inception, we have successfully represented vast numbers of physicians, nurses, dentists, veterinarians, lawyers, and psychologists (etc.) in both disciplinary and post-disciplinary licensure matters involving judicial review and rule challenges with successful appellate decisions issued by the Supreme Court of Texas and/or the jurisdictional Court of Appeals/District Court from which the matter was adjudicated. Additionally, we have successfully handled multiple transactional disputes and negotiations with medical staff matters/hospital peer review, the organizational structuring and licensing of pharmacies and other healthcare related entities, and transactional disputes and litigation on behalf of our clients. We are particularly versed in handling Physician / Texas Medical Board complaints which involve either standard of care or behavioral concerns including chemical dependency, intemperate use cases and boundary violations. Inclusive of these files is the relationship to the standard/quality of care provided by the physician, non-therapeutic prescribing, the inadequate maintenance and documentation of medical records. We have also successfully handled and resolved multiple psychiatrist/physician sexual boundary violations resulting in the physician s ability to continue to see patients without the loss of their license or other restrictive prohibitions which would render their practice impossible.

If you are in danger of being disciplined by your medical or professional licensing board pursuant to an ongoing complaint or investigation, then please contact the experienced and recognized Texas medical license defense lawyers of the Leichter Law Firm PC as we stand ready to advise, counsel and defend you with regard to your healthcare-related legal concern(s). To discuss your case with one of our attorneys today, please contact us by calling (512) 495-9995.

For information regarding current legal issues particular to your case, the Texas Medical Board, Texas Board of Nursing, or your licensing agency, please read through this site and visit our blog: www.txmedicallicensinglaw.com. Additionally, contact one of the firm s lawyers for information specific to your legal problem -we offer a free initial telephone assessment and individual personal consult if necessary.

Practice Emphasis

Our boutique litigation practice is devoted to the legal representation of physicians and other licensed professionals in a variety of aspects relating to their practices and professions. Focusing its attention on Professional License Defense, Administrative, Health, and Criminal Law, The Leichter Law Firm is able to draw upon its experience in these areas to provide quality client representation. The firm is located in downtown Austin, Texas.

Contact Us

To discuss your particular case with one of our experienced and compassionate Texas professional license defense attorneys, please contact us today by calling (512) 495-9995.





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Professional Services

Professional Services

Helping our customers build a better digital world

The Professional services industry today is dominated by ever-tightening Audit and Compliance regulations as well as multi-channel Advisory services. Optimizing service delivery due to the large FTE based pricing models is a major challenge for the industry. Succeeding in this environment requires industry players to strike a balance between operational optimization and digital transformation. While technologies such as Block Chain, Big Data, Cloud, Mobile, and IoT are already transforming the way business is done, there is a need to optimize data management. Leveraging analytics will help them boost enterprise resilience, increase cross-selling opportunities, enhance customer value, and maximize their wallet share.

Our rich experience in partnering with leading global Auditing, Advisory and Tax consulting institutions enables us to offer comprehensive solutions that meet the varying evolving needs of the banking industry. Our analytics and data management solutions delivered through a process driven approach help banks successfully embark on their ‘data to digital’ journey to achieve the desired end-to-end transformation of their operations.

Assurance

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Compliance and Risk

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Atlantic International University is a unique alternative to the more than 6,700 traditional colleges and universities in the United States, we utilize a sustainable and andragogic approach to learning with an open curriculum design. At AIU you will build your own curriculum from courses that are appropriate for your personal and professional goals.

AIU offers a wide range of majors in areas including the Arts, Business, Science, Technology, Social, and Human studies. More than 120 degrees and programs are available for adult learners at the associate’s, bachelor’s, master’s, doctoral and post doctorate level.

Distance Learning at AIU is enhanced by vast academic resources and innovative technologies build into the Virtual Campus: Hundreds of self-paced courses with video lectures and step by step lessons, thousands of optional assignments, 140,000 e-books, the Social Media & Networking platform allowing collaboration/chat/communications between students, and MYAIU develop students holistically in 11 areas beyond just academics.

AIU degree programs are designed for professional adults. After evaluating both academic records and life experience, AIU staff working in conjunction with Faculty and Academic Advisors, establishes the student’s Academic Status. The student’s Academic Status defines the number of Credit Hours the student must complete to fulfill the academic guidelines of the institution.

The programs offered at AIU allow for limited Academic or Life-experience. Academic or Life-experience credit is knowledge gained outside of the classroom through work or other professional endeavors. The policy for accepting such credit is limited to one third of the credit requirement for the program and documentation must be provided to confirm such experience.

AIU is accredited by the Accreditation Service for International Schools, Colleges and Universities (ASIC). ASIC Accreditation is an internationally renowned quality standard for colleges and universities. ASIC is a member of CHEA International Quality Group (CIQG) in the USA and an approved accreditation body by the Ministerial Department of the Home Office in the UK. AIU is not accredited by an agency recognized by the US secretary of education. Read more.

Our founding principles are based on the United Nations Universal Declaration of Human Rights; per article 26, AIU believes that Higher Education is a Human Right. The University has implemented a paradigm shifting educational model for its academic programs that have allowed it to move closer to this goal through the self-empowerment of its students, decentralization of the learning process, personalized open curriculum design, and a sustainable learning model.

Students and Faculty develop, produce and edit shows, documentaries and other media disseminated via AIUTV and AIU Radio. Creators have a profile page summarizing the show and themselves with a way for viewers to get in contact with them for further collaboration, networking, or other synergistic interactions.

Every hosted your own show? Have a mission or cause you would like to bring awareness to? Are you passionate about something? Any of these can be great topics to be featured on AIUTv IT MEANS CREATING ANOTHER SELF THAT DOES NOT EXIST.”

Contact Us Today!

We understand how busy adults do not have time to go back to school. Now, it’s possible to earn your degree in the comfort of your own home and still have time for yourself and your family. The Admissions office is here to help you, for additional information or to see if you qualify for admissions please contact us. If you are ready to apply please submit your Online Application and paste your resume and any additional comments/questions in the area provided.

Pioneer Plaza
900 Fort Street Mall 410
Honolulu, HI 96813
800-993-0066 (Toll Free in US)
808-924-9567 (Internationally)
808-947-2488 (Fax)





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ALL PLUMBING NEEDS SERVICE, LLC

Plumber in Lawrenceville

All Plumbing Needs Service Company provides top quality plumbing service and products to the Atlanta area. All plumbing needs service is a family based small business providing high quality plumbing services to customers in North east Atlanta and Gwinnett County. Our focus is to deliver thorough, detailed and professional, quality plumbing work, in a timely matter, every day.

Customers are the most important part of our business, therefore, we treat our customers with utmost respect and gratitude. We take pride in our work, our plumber will provide to you the most professional, honest and proper service. Our goal is to be your first choice when plumbing problems arise. When choosing a plumber, All Plumbing Needs Service is the best choice.

Plumbing problems can be sudden and without any planning. We know there are many plumbing companies around Atlanta and Gwinnett county to choose from, therefore, when choosing All Plumbing Needs Service, you will receive 100% Customer Satisfaction Guaranteed Service. Give us a chance to prove to you, we are worth your time. Whatever it is, the plumbing problem you might have, All Plumbing Needs Service can help.

Our price book is based on a flat rate pricing per given task. Our plumber will diagnose the plumbing problem you have and before he does any work, he will explain what is necessary to make the repairs and provide you with a price. Once you and the plumber are in agreement on the price and what will be done to fix your problem, he will complete the work. Payment is due upon completion of work on the same day of service. We accept all major credit card, checks or cash.





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Log College Middle School

Log College Middle School was established in 1968, in Warminster, PA – Bucks County and is a business listed in the categories Education, Colleges & Universities, Colleges, Universities, And Professional Schools, All Other Miscellaneous Schools And Instruction, Colleges, Universities, & Professional Schools, Schools And Educational Services, Nec, School and School Colleges & Universities. If you did business with Log College Middle School, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

Education, Colleges Universities, Colleges, Universities, and Professional Schools, All Other Miscellaneous Schools and Instruction, Colleges, Universities, Professional Schools, Schools and Educational Services, Nec, School, School Colleges Universities

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Atlantic International University is a unique alternative to the more than 6,700 traditional colleges and universities in the United States, we utilize a sustainable and andragogic approach to learning with an open curriculum design. At AIU you will build your own curriculum from courses that are appropriate for your personal and professional goals.

AIU offers a wide range of majors in areas including the Arts, Business, Science, Technology, Social, and Human studies. More than 120 degrees and programs are available for adult learners at the associate’s, bachelor’s, master’s, doctoral and post doctorate level.

Distance Learning at AIU is enhanced by vast academic resources and innovative technologies build into the Virtual Campus: Hundreds of self-paced courses with video lectures and step by step lessons, thousands of optional assignments, 140,000 e-books, the Social Media & Networking platform allowing collaboration/chat/communications between students, and MYAIU develop students holistically in 11 areas beyond just academics.

AIU degree programs are designed for professional adults. After evaluating both academic records and life experience, AIU staff working in conjunction with Faculty and Academic Advisors, establishes the student’s Academic Status. The student’s Academic Status defines the number of Credit Hours the student must complete to fulfill the academic guidelines of the institution.

The programs offered at AIU allow for limited Academic or Life-experience. Academic or Life-experience credit is knowledge gained outside of the classroom through work or other professional endeavors. The policy for accepting such credit is limited to one third of the credit requirement for the program and documentation must be provided to confirm such experience.

AIU is accredited by the Accreditation Service for International Schools, Colleges and Universities (ASIC). ASIC Accreditation is an internationally renowned quality standard for colleges and universities. ASIC is a member of CHEA International Quality Group (CIQG) in the USA and an approved accreditation body by the Ministerial Department of the Home Office in the UK. AIU is not accredited by an agency recognized by the US secretary of education. Read more.

Our founding principles are based on the United Nations Universal Declaration of Human Rights; per article 26, AIU believes that Higher Education is a Human Right. The University has implemented a paradigm shifting educational model for its academic programs that have allowed it to move closer to this goal through the self-empowerment of its students, decentralization of the learning process, personalized open curriculum design, and a sustainable learning model.

Students and Faculty develop, produce and edit shows, documentaries and other media disseminated via AIUTV and AIU Radio. Creators have a profile page summarizing the show and themselves with a way for viewers to get in contact with them for further collaboration, networking, or other synergistic interactions.

Every hosted your own show? Have a mission or cause you would like to bring awareness to? Are you passionate about something? Any of these can be great topics to be featured on AIUTv ?>

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Visual Arts
concentrations: Art History, Ceramics/Sculpture, Fine Arts

* State approval pending
1 offered with Camden County College
2 offered with Mercer County Technical Schools
3 offered with Rider University
4 A.S. degree awarded by MCCC; Diploma awarded by St. Francis Medical Center School of Nursing
5 A.S. degree awarded through a cooperative program with the School of
Health Related Professions at Rutgers, The State University of New Jersey

6 A.A.S. degree awarded through a cooperative program with Brookdale Community College


The academic programs offered by Mercer County Community College are among the most diversified and comprehensive in the country. Included are transfer programs that prepare students for entry into baccalaureate programs and career programs that prepare students for immediate employment after graduation.

The terms “transfer” or “career” simply describe the primary objective of the program. Many transfer graduates have been successful in gaining employment upon graduation. Many graduates of career programs have been successful in transferring to four-year colleges, with many of their MCCC credits being accepted.

In general, both kinds of degree programs require no more than 66 credits for graduation.


Because Mercer is committed to promoting intellectual development, aesthetic appreciation, and cultural awareness, every program of study includes a general education component. This component, addressed through a variety of courses, focuses on reading analytically, communicating ideas clearly, solving problems, and developing a broad base of knowledge. Students are given the opportunity to develop analytical, synthetic/creative, and evaluative thinking; scientific reasoning; artistic response and expression; historical consciousness; cultural awareness; and sensitivity to the contemporary world.


Transfer degree (A.A. A.F.A. or A.S.) programs are designed primarily to enable students to enter the third year of baccalaureate study at four-year colleges. The largest student enrollments in transfer degree programs are in humanities and social science, business administration, education, criminal justice, and nursing. Other transfer degree programs range from architecture, communication and visual arts to engineering science and plant science.

For many students, the transfer experience is made easier by “dual admission” and “program articulation” agreements between Mercer and other colleges.


Career degree (A.A.S.) programs are designed primarily to prepare graduates for entry-level employment in an occupation which requires both theoretical knowledge and practical skills. Mercer has A.A.S. programs as varied as accounting, aviation, chef apprenticeship, electronics, ornamental horticulture, microcomputer systems administration, television, funeral service, and computer graphics.

Two engineering technology programs function both as transfer degree and career degree programs, with slightly more than half of all graduates transferring to four-year technology programs and others finding employment. Many employed students use career programs to gain advanced positions in their chosen field or to change careers. Some other A.A.S. programs also provide a basis for transfer to four-year colleges; a student may lose credits, however, if he or she transfers to an unrelated program of study.


Many students enroll at Mercer for purposes other than earning a degree or certificate. The college offers four enrollment categories for such students:

  • Other college — Students take courses at Mercer to fulfill program requirements at another college.
  • Job Related — Students take courses specifically selected to enhance knowledge and skills for current or future employment.
  • Exploratory — Students are undecided about which degree or certificate program they intend to pursue. They may take courses from several program areas to help them select.
  • Personal — Students take courses for other reasons. Advisors at each campus help non-degree students select courses.


Mercer offers a comprehensive program for students who are learning English as a second language. The multilevel sequence consists of two pre-credit and eight credit courses that emphasize grammar, speech, reading and writing skills. The free ESL placement test, arranged through the ESL Learning Center, should be completed at least two weeks before registration for classes.

The noncredit preparatory courses are offered through the English Language Institute (ELI) at the James Kerney and West Windsor campuses. Contact ELI at the James Kerney Campus or the ESL Learning Center at the West Windsor Campus for further information.


The LPN-RN advanced placement option offers licensed practical nurses (LPNs) the opportunity to gain experiential credit for their LPN license and receive credit for Fundamental Concepts of Nursing (NRS 110). Applicants must possess a high school diploma (or equivalent), have graduated from an accredited LPN school, possess a valid New Jersey LPN license and complete all the prerequisite course requirements for the nursing curriculum.

Admission to the professional phase of the program requires a minimum GPA of 2.5 and a passing score on the HESI Admission Assessment Exam. Six credits are given for Fundamental Concepts of Nursing (NRS 110). The student is then able to enroll in Alterations in Health I (NRS 120), Alterations in Health II (NRS 121), or Concepts of Mental Health Nursing (NRS 123). Students must earn a minimum grade of C in all nursing, science, and mathematics courses to graduate.

Please note that admission to either of the LPN-RN Advanced Placement program options are on a space available basis only.

Students who complete the college’s Nursing program earn the Associate in Science (A.S.) degree and eligibility to take the National Council Licensure Examination (NCLEX) for Registered Nurses (RNs).


Cooperative education integrates textbook and classroom learning with work experience. Several academic programs offer cooperative education components. The program affords many advantages to students who are able to earn an income while attending college and earn college credits for their cooperative education experiences. In addition, many graduates find employment easier to obtain if they have had prior work experiences.

A successful co-op experience requires careful delineation of learning objectives and employer willingness to support them. The college assists students in defining objectives and obtaining co-op positions.





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Do You Need Professional Liability?

Over the past three decades, the delivery system for construction projects has undergone some fundamental changes.

Many of these changes sought to relieve the owner from the costs and challenges associated with attempting to assemble two independent, and somewhat adversarial (designer and contractor), parties to cooperate in delivering a quality project.

With these changes in methods, whether design build or construction management, exposures to contractors have also undergone fundamental change.

Under the traditional method of construction contracts, most of the professional liability will rest with the design professional, which historically has been a separate entity. However, contractors that perform work as design-builders assume not only the responsibility for design, but also the corresponding liability exposures.

It is clear that when contractors enter into design-build and construction management contracts, they take on certain responsibilities that require professional architectural and engineering expertise. Since coverage for professional liability is excluded under most contractors’ general liability insurance policies, contractors performing these services require professional liability insurance to protect their balance sheets.

Contractors who question their need for professional coverage might wish to evaluate the checklist of exposures as prepared by the International Risk Management Institute:

a) Does your firm enter into explicit design-build or construction management contracts?

b) Does your firm perform services for a fee that involve no “hands on” construction work?

c) Could failure to exercise the appropriate degree of skill and care cause harm to others?

d) Does your firm employee licensed professionals-primarily architects or engineers-or does your firm contract directly with these professionals for services?

If the answer to any of these questions is “yes,” the contractor should look further into procuring professional liability insurance.

Recognizing professional exposures requires understanding the scope of services provided on a project, how the contractor is defined by the project parties and the project agreement and scope. The following chart summarizes the responsibilities:

General Liability Exclusions

General liability (GL) and professional liability policies typically have specific exclusions relating to professional acts or omissions. While contractors with incidental or limited exposure may be able to arrange adequate coverage by modifying these policies, contractors who execute design-build contracts will need separate professional liability coverage.

The Insurance Services Office (ISO) Commercial General Liability policy and the typical policies underwritten by Umbrella/Excess underwriters have specific restrictions related to professional liability coverages. The 2007 Insurance Services Office (ISO) GL coverage (CG 00-01-12-07) form excludes professional liability coverage under the Exclusions-Contractual Liability through the definition of an “insured contract.” While the GL coverage form is intended to provide coverage for bodily injury and property damage arising out of an “insured contract,” the definition of such “insured contract” explicitly removes any coverage for damages that might arise out of the rendering or failure to render professional services.

Additionally, insurance companies who underwrite general liability policies for construction firms will also attach various endorsements to exclude professional liability coverage, such as CG 22-43-07-98. This particular endorsement will exclude all coverage, including losses that might arise out of “supervision, inspection, architectural or engineering activities.”

From a construction standpoint, this exclusionary endorsement does create ambiguity in coverage that might arise out of traditional construction activities, such as supervision or inspection of the work. For that purpose, the ISO has produced endorsements (CG 2279 and CG 2280) that provide “means and methods” coverage, meaning that while such activities are indeed excluded as an architect or engineer, such exclusion would not apply to operations with construction work performed as a contractor. This is accomplished through the definition of “professional services” to not include: means, methods, techniques, sequences and procedures employed as a construction contractor.

Risk Management Strategies

A contractor has three basic strategies for handling its design-build professional liability exposures. First, it can transfer as much of the risk as possible contractually, by requiring design firms to hold it harmless for liability arising out of the design of the project, and requiring proof of insurance as evidence of their ability to pay such costs. It should be noted that the contractor should evaluate the state statutes regarding Anti-Indemnity Laws regarding the enforceability of such agreements. However, such indemnity to the designer may not be enforceable to the degree that the contractor is fully protected and such protection is limited to the amount of liability insurance maintained by the designer. (An indemnity’s value is limited to the firm’s ability to respond financially, i.e. assets, insurance, etc.)

Secondly, the contractor should procure its own professional liability insurance. For design-builders, utilizing in-house architects or engineers is obvious, but when outside architectural/engineering (A/E)

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