A project Owner hired a structural engineer to determine structural steel needed for a mixed-use project. The engineer used the incorrect code for this project resulting in higher structural steel costs. The Owner incurred $5,000,000 in additional costs due to the negligence of the structural engineer. The Owner asserted a claim against the structural engineer for those additional costs, however the engineer’s policy only had $2,000,000 in limits. The Owners Protective Indemnity policy sat excess of the engineer’s practice policy to cover the Owner’s remaining $3,000,000 in loss.