Architects & Engineers Liability Program from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a tailored program for design, engineering and environmental consulting firms. Our Architects & Engineers Professional Liability, Commercial General Liability (CGL) and Contractors Pollution Liability package is structured to address the technical, contractual and pollution exposures common to these professions—allowing you to place multi-line liability solutions for clients who work on environmentally sensitive or highly regulated projects.
Ideal Accounts and Appetite
This program targets a range of professional service providers, including:
- Engineering firms and independent engineers
- Environmental consultants and remediation contractors
- Testing laboratories and analytical service providers
- Oil & gas consultants and specialty technical consultants
We can handle small to mid-sized firms and select larger or more complex operations that carry contractual pollution exposures. Accounts with routine site work, sample transportation, laboratory analysis, or scope-of-work exposure to released pollutants are a primary focus.
Coverage Highlights and Advantages
This program combines three core liability protections into a single placement to reduce gaps between disciplines:
- Architects & Engineers Professional Liability — Coverage for errors, omissions or negligent acts in the performance of professional services.
- Commercial General Liability (Occurrence) — Occurrence-form CGL for bodily injury, property damage and related general liability claims arising from A&E operations.
- Contractors Pollution Liability — Coverage for third-party liability tied to the release, migration or transportation of pollutants.
Key endorsements and program features available include:
- Media & Technology extensions
- Onsite Cleanup endorsement tailored for laboratories
- Transportation of Pollutants Liability
- Blanket Primary & Non-Contributory wording
- Hired & Non-Owned Auto endorsements
Limits are available up to $2 million, subject to underwriting and carrier appetite.
Underwriting Notes and Minimum Premiums
Underwriting considers professional revenue, services performed, pollution exposures, claims history and contractual requirements. Minimum premiums vary by risk type, limits and territory; Continental Risk’s underwriting team works directly with appointed agents and brokers to size coverages and structure terms appropriate to each submission.
Preferred submissions include detailed scopes of services, sample contracts, any pollution control procedures and loss runs where available. We welcome accounts with complex contractual obligations or higher pollution risk, but this is exclusively a non-admitted solution—placements are handled on a surplus lines basis.
Territories and Availability
This program is available on a non-admitted basis in all 50 states and the District of Columbia, including 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.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a general agency and excess & surplus lines broker, Continental Risk brings focused expertise in hard-to-place liability and pollution risks. We maintain relationships with multiple carriers experienced in technical exposures, and we structure layered solutions to help you meet contract requirements while managing environmental liability risk.
Our team supports brokers with underwriting guidance, bespoke endorsements, and flexible wording options when standard markets decline or require tailored pollution language.
Example account scenarios you might place through this program:
- A regional environmental lab that performs onsite sampling and small-scale cleanup services and needs combined professional, CGL and pollution transport coverage.
- An engineering firm contracted to provide site assessments and design services for brownfield redevelopment that requires primary non-contributory limits and pollution liability endorsements.
For more information about accessing the program and submission requirements, please visit our company profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is well suited to engineers, testing laboratories, environmental consultants, and oil & gas consultants that have professional liability and pollution exposures.
Is this program admitted in any states?
No. This program is offered on a non-admitted (surplus lines) basis in all available states and the District of Columbia.
What is the maximum limit of liability available?
Limits are available up to $2 million, depending on the risk profile and underwriting evaluation.
Are pollution-related endorsements included?
Yes. The program includes Contractors Pollution Liability and offers endorsements such as Onsite Cleanup and Transportation of Pollutants where appropriate.
What states is this program available in?
This program is available in all 50 states and Washington, D.C., on a non-admitted basis.
Need help placing an account? Connect with a market specialist.