Overview — Design Professional Errors & Omissions Liability
Bonding and Insurance Specialists Agency, Inc. offers a Design Professional Errors & Omissions Liability program designed for architects, engineers, designers and related professionals. The program pairs experienced underwriting with capacity from A.M. Best A-rated carriers to deliver limits up to $10 million, worldwide Claims-Made coverage, and a complimentary risk-management program for policyholders.
Who this program serves
This market targets design professionals and small to mid-sized design firms that need robust professional liability protection. Typical classes include:
- Architects and building designers
- Civil, structural, mechanical, electrical, environmental and hydrological engineers
- Landscape architects and land surveyors
- Interior designers
Coverage highlights and advantages
- Limits available up to $10,000,000 to meet contract and project requirements.
- Claims-Made form—suitable for firms that maintain continuous professional liability coverage.
- Deductibles that vary by account, with entry points starting around $2,500 per claim.
- Worldwide coverage for professional services, subject to the policy terms.
- No blanket exclusion for asbestos or pollution on qualifying risks (specific wording applies).
- Automatic waiver of subrogation where required by contract.
- Policy language is silent on punitive damages (policy wording governs application by jurisdiction).
- Complimentary comprehensive risk-management resources provided to insureds to help reduce exposure and support loss prevention.
Ideal accounts and appetite
This program is best for traditional design firms and consultants whose primary operations are professional design and consulting services. It is well suited to firms that:
- Provide design documents, specifications and construction observation rather than acting as general contractor;
- Have limited or manageable claims histories and routine contractual risk transfer;
- Seek limits above standard market capacity or need broader worldwide professional exposure language.
Accounts that typically require more manual review include firms with extensive construction-phase contracting, repeated or large prior professional liability losses, disciplinary actions, or significant uninsured subcontracting operations. Provide full details on operations and loss history up front to speed placement.
Underwriting notes and submission guidance
Because this is Claims-Made coverage, underwriters will consider retroactive date needs and prior acts coverage when evaluating submissions. Include the following with each submission to help underwriters assess quickly:
- Completed application describing services, revenue, staff, and project types;
- Current professional liability dec page(s) and loss runs for the past 5–10 years;
- Sample contract language where risk transfer, indemnity, or limitation of liability is required;
- Details on risk management practices — the program’s no-cost RM resources may influence terms.
Territories and availability
The program can be placed for clients located in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and specific policy terms may vary by state and by carrier.
Why place this business with Bonding and Insurance Specialists Agency, Inc.
Bonding and Insurance Specialists Agency, Inc. combines a focused design-professional appetite with access to A.M. Best A-rated markets and in-house underwriting that understands technical exposures. The program’s strengths are its high limits, broad territorial reach, pragmatic contract accommodations (waiver of subrogation) and free risk-management support — all important when competing for larger or contract-sensitive design accounts.
Example accounts that fit
- You have an architecture firm with $3–8M in annual revenue that performs residential and commercial building design and needs $5M limits for large client contracts.
- An environmental engineering consultancy that provides site assessments and remediation oversight requiring worldwide professional liability coverage and risk-management resources.