Architects and Engineers engage in a broad range of disciplines that vary significantly from project to project. From structural design to environmental planning, each engagement brings unique professional liability risks. Whether it's potential bodily injury, property damage, or environmental exposures like pollution, your clients need comprehensive protection tailored to their profession. Capitol Special Risks offers a versatile Architects and Engineers Professional Liability Insurance program designed to meet these challenges head-on. This program is available in all 50 states and is written on a non-admitted basis through multiple trusted carriers.
Ideal Accounts and Appetite
Capitol Special Risks is positioned to help you place a wide range of architect and engineering accounts, from solo practitioners to mid-sized firms engaged in commercial, residential, or public projects. Ideal risks include:
- Architectural design firms handling commercial construction
- Civil and structural engineers involved in infrastructure projects
- Environmental engineers with potential pollution exposures
- Firms providing software or digital tools as part of their services
Hard-to-place or non-standard risks are welcome, including firms with prior claims or those working on high-risk projects. Whether your client is designing bridges or creating construction software, this program offers a flexible and competitive solution.
Coverage Highlights and Advantages
Capitol Special Risks’ A&E Professional Liability program features broad and customizable coverage, including:
- Personal and Advertising Injury, including consequential bodily injury
- Pollution Conditions coverage
- Consent to Settle Clause (soft hammer at 50%)
- Coverage for software sold or supplied by the insured
- Punitive damages coverage where allowed by law
- Coverage extended to independent contractors, leased, and temporary employees
- Insured person includes spouse and domestic partner
- Full severability of all exclusions
- Worldwide coverage
- Mutual selection of claim counsel
- Self-insured retention reduced by 50% (up to $25,000) when mediation is used
- Discovery clause for reporting circumstances
- 45-day coverage for newly merged or acquired entities
- Blanket waiver of subrogation
- Blanket additional insured for pollution conditions
- Specific client or project excess limits available
These features are designed to meet the evolving professional risk landscape of A&E firms.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk characteristics, services provided, revenue, and claims history. Capitol Special Risks works closely with agents to provide fast turnaround and tailored quotes for each submission. This program is especially suited for agents who need a flexible, responsive market with experience in non-admitted placements and complex risks.
Territories and Availability
This Architects and Engineers Professional Liability program is available in all 50 states, including DC. As a non-admitted solution, it offers greater flexibility in coverage terms and underwriting for unique or high-risk accounts.
Why Work With Capitol Special Risks
As a leading wholesale broker with extensive experience in professional liability, Capitol Special Risks is a trusted partner for independent agents nationwide. With access to multiple carriers, a deep understanding of the A&E space, and no broker fees, they offer a competitive edge in placing complex risks. Fast turnaround, underwriting support, and flexible solutions make Capitol Special Risks an excellent choice for brokers looking to grow their architecture and engineering book of business.
Contact us today for your Architect and Engineers Professional Liability Insurance needs! Fast turnaround and we never charge a broker fee!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include architectural firms, civil and structural engineers, environmental consultants, and design professionals involved with commercial, infrastructure, or public projects.
Is this program available in all states?
Yes, the Architects and Engineers Professional Liability Insurance program is available in all 50 states on a non-admitted basis.
Can this program cover pollution or environmental exposures?
Yes, the program includes coverage for pollution conditions, making it suitable for environmental engineers and other professionals with similar exposures.
Are independent contractors or temporary employees covered?
Yes, the policy extends coverage to independent contractors, leased, and temporary employees when working on behalf of the insured, as well as spouses and domestic partners.
Does Capitol Special Risks charge a broker fee?
No, Capitol Special Risks does not charge a broker fee for this program.
Need help placing an account? Connect with a market specialist.