Overview — Architects & Engineers E&O from Apogee Insurance Group
Apogee Insurance Group offers a focused Architects & Engineers Errors & Omissions program designed for agents and brokers placing professional liability for design and consulting firms. As an Excess & Surplus Lines broker, Apogee works with admitted and specialty E&S capacity to provide flexible solutions through carriers including Admiral, AIG, Beazley, Houston Casualty and Travelers. This program is built to handle design-related exposures with optional extensions for pollution, cyber, and first-dollar defense depending on carrier appetite.
Ideal accounts and target classes
- Architectural and engineering firms of varying sizes (from small design shops to mid-sized multi-discipline firms)
- Construction managers, design-build teams and prime consultant firms
- Environmental consultants performing site assessments and remediation design
- Specialty consultants (structural, civil, MEP, landscape architects) and firms that use independent contractors
You might submit a small structural engineering firm working on residential developments, or a mid-size architectural practice providing plans for commercial remodels. Both are the kinds of accounts this program is intended to place.
Coverage highlights and advantages
The program offers a broad set of features that agents can present to insureds:
- Definition of professional services includes engineering, architecture, construction management and environmental consulting.
- Optional coverages available: cyber liability, pollution liability and an option for first-dollar defense.
- Business interruption and property damage (BI/PD) coverage for claims connected to A&E Professional and A&E Pollution exposure.
- Independent contractors can be included on the policy.
- Territorial flexibility — coverage available for claims that could occur anywhere in the world, subject to underwriter approval.
- Innocent insured and mediation credit coverages offered.
- An aggregate deductible endorsement is available to help manage retained exposure.
- Blanket waiver of subrogation and innocent insured provisions are available.
- Very competitive premium rates through specialty markets and tailored underwriting.
Underwriting notes and minimum premium guidance
Underwriting is carrier-dependent. Apogee’s team will work with you to identify the best carrier fit based on practice areas, revenue, claims history and project mix. Common submission items include a current application, five years of loss history (or loss runs), resume(s) of principals, and a copy of standard contracts.
Minimum premiums and available limits vary by state and carrier. Because this program is placed on a surplus lines basis through Apogee, specific minimums are determined at quote — please contact Apogee for current minimum premium information and any state-specific placement requirements.
Territories and availability
This Architects & Engineers E&O program is available through Apogee in the following jurisdictions: 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 terms will depend on carrier appetite and local surplus lines rules.
Why place A&E business with Apogee Insurance Group?
- Specialty E&S placement expertise and direct access to regional and national markets.
- Flexible wording options and endorsements (pollution, cyber, first-dollar defense, aggregate deductible) to match the client’s exposures.
- Underwriting support focused on the design and consulting space — quick triage of eligibility and market placement strategy.
- Competitive premium positioning through multiple carrier relationships.
If you have a design professional account with complex project exposures, pollution potential, or an active use of independent contractors, Apogee’s Architects & Engineers E&O program is structured to provide options and market access. Submit your details to receive a tailored quote and placement plan.
Frequently Asked Questions
What types of A&E accounts are a good fit for this program?
Small to mid-size architectural, engineering and environmental consulting firms, construction managers, and specialty design consultants are good fits — especially those needing pollution or cyber extensions, independent contractor coverage, or flexible territorial wording.
Which states is the program available in?
The program is available 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 and WY. Specific terms and availability depend on carrier appetite and state surplus lines rules.
Can cyber and pollution liability be added to the same policy?
Yes — subject to carrier approval. Apogee places accounts with carriers that offer combined or endorsed options for cyber and pollution coverages; availability varies by risk profile and underwriting review.
What submission materials should I include to get a fast response?
Provide a completed application, five years of loss history or loss runs, resumes of key principals, revenue by discipline, and copies of standard client contracts. Early disclosure of high-risk project types or known claims helps speed placement and identify the right carrier quickly.
Need help placing an account? Connect with a market specialist.