... on sound engineering judgment Given the evolving nature of high-tech engineering, the rules, and the risks, are constantly changing When applying design clauses, every project will inevitably ... associated with insuring against defects and, working with the insured, select the appropriate degree of cover In addition to understanding the design clause wordings, the insurer must also know when ... winding causes a fire in a USD10-million transformer and results in a total loss, DE coverage wouldn't pay for anything DE coverage would pay for everything except the directly affected winding...