Surveyors and Contractors Professional Liability Insurance

Overview of the Program

This program is built for design professionals and construction-related firms that need professional liability protection beyond standard general liability. Coverage can be tailored to include architects, engineers (civil, structural, mechanical, electrical, process, geo-technical), land surveyors, construction managers (both at-risk and agency), and firms that use professional subcontractors. We place business with admitted and surplus (non-admitted) markets through multiple carriers to broaden placement options.

Ideal Accounts and Appetite

• Small to mid-size design firms and solo practitioners
• Multi-discipline firms with engineering and surveying services
• Construction managers and design-build contractors providing professional services
• Projects with specialty exposures such as dams, bridges, mines, petroleum/pipeline, and condominium developments
• New ventures and firms with prior loss history that need tailored underwriting

Coverage Highlights and Advantages

• First-party professional liability for negligent act, error, or omission in the performance of professional services.
• Options to extend coverage to third parties and to provide vicarious liability protection for designated professional subcontractors.
• Capacity across admitted and surplus lines carriers to improve placement success for more complex or higher-risk accounts.
• Ability to consider accounts with adverse loss history, specialty project exposures (nuclear, petroleum, heavy civil), and non-standard organizational structures (solo firms, new ventures).
• Experienced underwriting that understands contractual risk transfer, design-build relationships, and construction manager exposures.

Underwriting Notes and Minimum Premiums

Underwriting looks at firm discipline mix, revenue by service line, project types, claims history, contract language, and use of subcontractors. Common submission materials include a current proposal or application, professional services agreement(s), and loss runs when available. Minimum premium varies by carrier and state; please indicate budget expectations on the submission so we can align markets appropriately.

Territories and Availability

This program is available 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. We place business in admitted and surplus markets depending on the account’s characteristics and the carrier appetite.

Why Work With Alexander J. Wayne & Associates, Inc.

• Wholesale broker access to multiple admitted and surplus carriers specializing in A&E and construction professional exposures.
• Hands-on underwriting guidance to position difficult accounts and clarify risk transfer concerns.
• Flexibility to consider non-standard risks (adverse loss history, high-hazard projects, solo practitioners, design/build work).
• Fast, practical feedback to help you manage client expectations and find the most appropriate market fit.

Example scenarios that fit this program

• You have a mid-size civil/structural firm doing bridge rehabilitation work that needs vicarious coverage for geotechnical subcontractors — we can package coverage with markets that accept heavy-civil exposures.
• You place a construction manager acting in a design-build role on a condominium development with multiple professional subcontractors — we can pursue combined professional liability terms with vicarious extensions.