Key Risk Groups:
AI Risk offers a specialized Architects and Engineers Professional Liability program designed for small to mid-sized architecture and engineering firms with up to $3 million in annual professional billings. This program is available on an admitted basis in most states and a non-admitted basis in all other states except Delaware. It provides tailored solutions for a broad range of design and technical professionals, including but not limited to: acoustical engineers, agricultural engineers, architects, audiovisual engineers, building designers, civil engineers, communication engineers, construction material testers, construction managers (agency), design/build firms, electrical engineers, forensic engineers, graphic designers, HVAC engineers, interior designers, landscape architects, land surveyors, mechanical engineers, photogrammetrists, process engineers, project managers, space planners, structural engineers, and telecommunication engineers.
Coverage Overview:
This program provides Professional Liability coverage to help protect your insureds from claims of negligence, errors, or omissions in the performance of their professional services. Whether your client is an independent architect or part of a multi-disciplinary engineering firm, AI Risk helps safeguard their business against costly litigation and reputational damage.
Ideal Accounts and Appetite:
The program is best suited for design professionals and engineering firms with annual billings under $3 million. It covers a wide range of disciplines, allowing you to place business for niche specialists or firms offering multiple services. AI Risk has a strong appetite for firms involved in both traditional and emerging engineering fields, including telecommunication, forensic, and process engineering.
Examples of good-fit accounts include:
- A boutique architectural firm specializing in sustainable building design with $1.5 million in billings
- A regional civil engineering and land surveying firm managing municipal infrastructure projects
Coverage Highlights and Advantages:
- Tailored Professional Liability coverage for architects and engineers
- Access to A-rated carrier (AIG)
- Flexible underwriting to accommodate a variety of disciplines and firm sizes
- Admitted and non-admitted options available for broad state accessibility
Underwriting Notes and Minimum Premiums:
Minimum premiums range from $3,000 to $12,500 for limits up to $1 million, depending on the client's risk classification and selected coverages. AI Risk underwrites each submission with attention to the unique risk profile of the firm, factoring in services offered, project types, and claims history.
Territories and Availability:
This program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis in most states and non-admitted in all states except Delaware. This broad availability makes it easier for you to place multi-state or regionally active accounts.
Why Work With AI Risk:
AI Risk combines underwriting expertise with responsive service to help agents and brokers efficiently place professional liability coverage for design professionals. The program is backed by AIG, offering financial strength and claims-handling confidence. As a managing general agency and carrier, AI Risk delivers both flexibility and deep market knowledge—making them a strong partner for placing hard-to-fit or niche architect and engineer accounts. Whether your client is a first-time buyer or a seasoned firm seeking better terms, AI Risk can help you deliver value and protection.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits small to mid-sized architecture and engineering firms with up to $3 million in annual billings. It covers a wide range of disciplines, including civil, structural, mechanical, and electrical engineering, as well as architecture and design services.
Is the coverage admitted or non-admitted?
Coverage is available on an admitted basis in most states and on a non-admitted basis in all others, except Delaware where non-admitted coverage is not available.
What is the minimum premium for this program?
Minimum premiums range from $3,000 to $12,500 for limits up to $1 million, depending on the risk classification and selected coverages.
Which carrier backs this program?
The program is backed by AIG, a financially strong and reputable insurance carrier.
What services does AI Risk provide as part of this program?
AI Risk offers underwriting expertise, access to A-rated markets, flexible terms, and responsive service to help agents place professional liability coverage for architect and engineer clients.
Need help placing an account? Connect with a market specialist.