Ryan Specialty National Programs offers a specialized Architects & Engineers Insurance Program tailored for retail agents and brokers looking to place professional liability coverage for architecture, engineering, and environmental consulting firms. Designed for firms with annual billings up to $10 million (larger firms considered individually), this program provides comprehensive coverage, value-added services, and flexible underwriting to meet the unique needs of design professionals.
Underwritten by Aspen American Insurance Company and available in most states, this program includes exclusive features to help insureds manage risk and avoid costly claims. Coverage is tailored to the exposures faced by architects, including professional liability, pollution liability, advertising personal injury, and network security. Optional enhancements like defense costs outside the limits and specific project excess limits are also available.
Program Features and Benefits
- Minimum premium starting at $1,200
- Free financing available for premiums of $10,000+
- First Dollar Defense and “Soft” Hammer clause options
- Defense Costs Outside the Limits available
- Contractor’s Pollution Liability included
- Free contract review by experienced A&E law firms
- Pre-claims assistance via 800 Hotline
- Automatic renewal endorsement for qualified firms
- Worldwide coverage, including ADA, FHA, and OSHA legal expense reimbursement
- Network Security Supplemental Payment up to $100,000
- Peer Review and Crisis Event expense reimbursement
- Choice of Counsel and Innocent Insured protection
- Reduced deductible for mediation or successful limitation of liability clause
Target Classes for Architects
- Architectural firms (including solo and group practices)
- Civil, Structural, Electrical, Mechanical, and HVAC Engineers
- Construction Managers
- Landscaping and Golf Course Architects
- Surveyors and Interior Designers
- Non-licensed design professionals—e.g., kitchen designers, lighting designers, spec writers, cost estimators
You might have a client such as a small architectural firm involved in both residential and commercial projects who needs pollution liability included in their professional liability policy. Or perhaps a civil engineering firm working on municipal infrastructure projects that requires worldwide coverage and specific project excess limits. This program is designed to meet those needs.
Submission Requirements
- Supplemental application (or competitor's application accepted)
- Five years of currently valued loss runs
Availability and Carrier Info
This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, IL, and WA. Some admitted markets are available, and coverage is written through multiple A-rated carriers, primarily Aspen American Insurance Company.
Why Work With Ryan Specialty National Programs?
As a program administrator with deep expertise in A&E risks, Ryan Specialty National Programs offers agents direct access to a competitively priced, expertly underwritten product with built-in value-added services. The underwriting team understands your clients’ contract and liability concerns and provides tools to proactively manage risk and reduce claims exposure. With optional enhancements, pre-claims advice, and legal resources, this program helps you deliver more than just a policy—it supports your clients’ business success.
Contact us today for more information on our
Architects Insurance program!