At Alexander J. Wayne & Associates, Inc., our Architects & Engineers Professional Liability program gives independent agents broad market access and flexible solutions for standard and hard-to-place A&E risks. We place first-party errors & omissions coverage and can extend protection to include third-party exposures and vicarious liability for professional subcontractors. Our underwriting partners include both admitted and surplus carriers, which lets us tailor placement to the client’s exposure and budget.
Overview of the Program from Alexander J. Wayne & Associates
This program is designed for architecture, engineering and design firms of many sizes and specialties. We provide access to multiple admitted and surplus markets so you can secure appropriate terms for new ventures, complex infrastructure projects, or accounts with difficult loss histories. Our wholesale broker model means we work with you, the retail agent, to match each file to the best carrier appetite available.
Ideal Accounts and Appetite
- Architects, residential and commercial.
- Structural, civil, electrical, mechanical and geo-technical engineers.
- Land surveyors and construction managers (agency or at-risk).
- Software architects and firms providing design/build services.
- Jobs with complex or higher hazard exposures — dams, bridges, mines, pipelines, nuclear and petroleum facilities — where specialty carriers are required.
We routinely consider accounts with adverse loss history, solo practitioners, condominium work, and newly formed firms. Accounts that require vicarious liability wording for subcontractors or additional insureds are also within our scope when appropriate.
Coverage Highlights and Advantages
- Primary professional liability (E&O/PI) coverage tailored to design professionals.
- Optional extensions to address third-party exposures and subcontractor vicarious liability.
- Access to admitted and non-admitted markets to balance pricing, capacity and policy form preferences.
- Underwriting expertise for design/build projects and high-severity exposures.
- Ability to place new ventures and accounts with prior losses that need experienced placement strategies.
Underwriting Notes and Minimum Premiums
Minimum premiums and terms vary by carrier and state. Typical submissions should include a description of services, revenue breakdown by practice area, prior acts date, and current loss runs when available. Because carrier appetite differs by exposure, we recommend submitting full information early so we can identify the most appropriate admitted or surplus market for each account.
Territories and Availability
This program is available nationwide — all states and the District of Columbia — through multiple admitted and surplus carriers. Where admitted coverage is preferred, we can pursue admitted markets; where flexibility or broader terms are required, we can access surplus lines capacity.
Why Work with Alexander J. Wayne & Associates
As a wholesale broker with deep A&E market relationships, Alexander J. Wayne & Associates combines underwriting knowledge with direct access to multiple carriers. That combination helps you place standard exposures efficiently and craft solutions for tougher risks. We partner with retail agents to evaluate exposure, prioritize carrier targets, and secure competitive submissions tailored to each client’s needs.
Example Account Scenarios
- You have a mid-sized structural engineering firm working on bridge retrofits with a recent loss — we can access specialty carriers experienced with infrastructure risk and negotiate appropriate prior acts and limits.
- An architectural firm providing design/build services on condominium projects needs coverage that includes subcontractor vicarious liability — we can present options from admitted and surplus markets that offer the required endorsements.
Submit your A&E opportunities to Alexander J. Wayne & Associates to leverage our market access and underwriting focus. We review each file to determine the best admission status, carrier, and form for the client’s exposure.
Frequently Asked Questions
What types of A&E accounts are the best fit for this program?
Accounts that fit well include architects, structural/civil/electrical/mechanical engineers, land surveyors, construction managers, and software architects — especially those needing professional liability coverage, vicarious subcontractor protection, or specialty capacity for complex projects.
Can this program provide coverage for subcontractor vicarious liability or third-party exposures?
Yes. We can extend certain policies to include third-party and vicarious liability protections depending on carrier appetite and the specifics of the contract or project.
Is coverage available on admitted paper or only surplus lines?
We place business with multiple admitted and surplus carriers. The best placement depends on the client’s exposures, state requirements, and desired policy terms — we’ll pursue admitted markets when available and surplus capacity when needed.
What information should I include with a submission and are there minimum premiums?
Provide a clear description of services, revenue or payroll by practice area, any prior acts date, and loss runs. Minimum premiums vary by carrier and state; include full submission details so we can identify appropriate markets and provide an accurate premium range.
Need help placing an account? Connect with a market specialist.