Overview — Architects and Engineers Professional Liability Insurance
Ashley General Agency offers a focused Architects and Engineers Professional Liability Insurance program designed for independent agents and brokers who need a market for professional design and engineering exposures. This program combines errors & omissions protection with complementary coverages commonly requested by design professionals, and is underwritten through a variety of admitted and excess & surplus (E&S) markets depending on state availability and risk characteristics.
What this program covers
The Architects and Engineers Professional Liability Insurance program is built to address the common liability exposures design professionals face, including negligent design, construction management issues, engineering management errors, and pollution incidents tied to professional services. Core coverages available through the program include:
- Errors & Omissions (Professional Liability)
- Engineers Professional Liability
- Directors & Officers (D&O)
- Employment Practices Liability (EPLI)
- Environmental / Pollution liability (including incidents arising from professional services)
- General Liability and Umbrella/Excess options for environmental engineers
Ideal accounts and appetite
This program is a good fit for a broad range of architecture and engineering firms, including but not limited to:
- Small to mid-size architectural firms (commercial, residential, mixed-use)
- Civil, structural, mechanical, electrical, and environmental engineering firms
- Firms providing construction management, engineering management, or design-build services
- Environmental engineering consultants who require pollution incident coverage tied to professional services
Typical accounts that fit: firms with stable claims histories, clear risk management procedures, and projects that are not unusually large-scale, highly speculative, or involving novel technologies. High-hazard projects, design-build projects with tight performance guarantees, or accounts with significant unresolved claims may require placement elsewhere or additional underwriting scrutiny.
Coverage highlights and advantages
- Comprehensive professional liability wording tailored to architects and engineers.
- Ability to package D&O and EPLI with professional liability for broader enterprise protection.
- Environmental/pollution protection available for engineering firms that handle contaminated sites, remediation consulting, or services with pollution exposure.
- Flexible placement options — admitted paper where available; E&S placements through Ashley General Agency for non-standard or out-of-program risks.
- Access to multiple carriers and specialist underwriters to improve placement flexibility.
Underwriting notes and minimums
Underwriting focuses on firm size, practice areas, claims history, contract terms, and risk management controls. The program generally favors:
- Firms with professional staff records, formal quality control, and documented risk management practices.
- Projects that are routine for the firm’s stated expertise (not atypical or first-time large exposures).
Minimum premium: $500. Limits, retentions, and final pricing will depend on the carrier selected and the individual exposure. Some coverages may be offered on an admitted basis in certain states and on a non-admitted/E&S basis where necessary.
Territories and availability
The program is available in select states. Ashley General Agency places business on an admitted basis in some states and on an E&S basis where admitted options are not available. Current targeted availability includes Texas; please check with Ashley General Agency for updated state availability.
Why place this business with Ashley General Agency?
- Specialized MGA and E&S broker experience placing architects and engineers professional liability.
- Established relationships with multiple carrier partners to maximize placement options for difficult or mixed exposures.
- Practical, agent-focused underwriting and responsive service for quote and bind requests.
- Ability to bundle related coverages (D&O, EPLI, environmental) to provide broader, coordinated protection for design firms.
Example accounts
- A five-person architectural firm focused on small commercial and multi-family residential projects seeking E&O coverage plus D&O for the principal owners.
- A mid-size civil engineering firm providing construction management and environmental consulting that needs professional liability with pollution incident coverage and umbrella limits.
Contact us for more information on our Architects and Engineers Professional Liability Insurance program by calling 936-585-6442
Frequently Asked Questions
What types of architect or engineer firms are a good fit for this program?
The program targets small to mid-size architecture and engineering firms engaged in routine commercial, residential, civil, structural, mechanical, electrical, or environmental work. Firms with documented quality control and standard contract language typically receive the best terms.
Is environmental/pollution liability available through this program?
Yes. Pollution and environmental exposures arising from professional services can be included—particularly for environmental engineers and consultants. Coverage availability and terms depend on the scope of services and past loss history.
Do you offer admitted paper or is this program only non-admitted?
Ashley General Agency places business on admitted paper in certain states where carriers provide admitted options and uses E&S placements where admitted coverage is not available. Availability varies by state and carrier.
What is the minimum premium and typical submission requirements?
The program has a minimum premium of $500. Typical submission materials include an application, current A&E firm resume, five years of professional services loss history, and copies of standard engagement/contract language.
Need help placing an account? Connect with a market specialist.