Ryan Specialty National Programs offers a comprehensive Engineer Insurance program tailored for architects, engineers, and environmental consultants. As a program administrator with deep expertise in professional liability, RSG National Specialty Programs delivers customized solutions through exclusive access to the Architects & Engineers program underwritten by Aspen American Insurance Company.
This program is designed to help agents and brokers secure quality coverage for engineering and design firms that require specialized protection against the risks inherent in professional services. Whether your client is a civil engineer working on municipal infrastructure or a mechanical engineer designing HVAC systems, this program offers meaningful risk management solutions and competitive pricing.
Ideal Accounts and Target Classes
The program is designed for small to mid-sized firms with annual billings up to $10 million, but larger firms may be considered on a case-by-case basis. Target classes include:
- Construction Managers
- Civil / Structural Engineers
- Electrical / Mechanical / HVAC Engineers
- Landscaping / Golf Course Architects
- Surveyors
- Interior Designers
- Non-licensed professionals (e.g., kitchen designers, lighting designers, specification writers)
Coverage Highlights and Advantages
Ryan Specialty’s Engineer Insurance program provides a broad suite of coverages and value-added services that help insureds proactively manage risk:
- Professional Liability and Contractors Pollution Liability
- Advertising and Personal Injury coverage
- Network Security Supplemental Payment – up to $100,000
- Defense costs outside the limits (optional)
- First Dollar Defense option
- Specific Project Excess Limits available
- Crisis Event and Peer Review expense reimbursement
- ADA, FHA, and OSHA legal expense reimbursement
- Automatic renewal endorsement for qualified firms
- “Soft” Hammer clause and Innocent Insured protection
- Reduced deductible for claims settled via mediation or limitation of liability clause
- Worldwide coverage
- Choice of Counsel available
In addition, insureds benefit from support services like a toll-free “800” hotline for pre-claims assistance and free contract reviews by two law firms with A&E expertise.
Underwriting Notes and Minimum Premiums
Policies are underwritten by Aspen American Insurance Company. The program offers minimum premiums starting at $1,400, with interest-free financing available for firms with premiums of $10,000 or more. Submission requirements include:
- Completed supplemental application
- Five years of currently valued loss runs
- Competitor applications may be accepted
Territories and Availability
This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, and GA. Admitted markets are available in some jurisdictions. Contact Ryan Specialty National Programs for specific state availability.
Why Work With Ryan Specialty National Programs
Ryan Specialty National Programs combines underwriting expertise with dedicated service to help agents place engineering and design-related risks efficiently. With value-added services like contract review and pre-claims assistance, plus access to exclusive markets, this program is designed to support agents and their clients throughout the policy lifecycle.
Contact us today for more information on our Engineer Insurance program!