Continental Risk / Continental Marine Insurance Services offers a focused Architects and Engineers (A&E) Insurance program that helps agents place reliable professional liability protection for design professionals. We understand the exposures A&E firms face — from alleged design errors and construction-phase claims to regulatory and disciplinary actions — and we deliver admitted coverage in most states through our carrier relationships and underwriting expertise.
Our program is designed for agents and brokers who need flexible, market-ready solutions for small firms up to large consultancies. We provide access to competitive admitted markets in most states, options for project-specific excess limits, and policy features that address evolving risks such as green building, BIM services, and international project exposures.
Ideal Accounts and Appetite
This A&E program is a fit for a broad range of design professionals, including:
- Architects and architectural firms
- Civil, structural, electrical, and mechanical engineers
- Landscape architects and land surveyors
- Interior designers and urban planners
- LEED-certified professionals and firms using BIM technology
We consider both start-ups and established practices. Accounts with green building projects, sustainable design elements, or complex multi-jurisdictional work match the program well. We also welcome clients returning from other carriers — loyalty credits may apply for certain renewals previously written with markets like Markel.
Example placements you might bring:
- A mid-size civil engineering firm performing municipal infrastructure design with occasional international consulting assignments.
- An architectural studio specializing in LEED-certified multifamily projects that needs admitted coverage and available project-specific excess limits.
Coverage Highlights and Advantages
Key features agents can offer through this program include:
- No pollution exclusion — coverage can be available for claims involving pollution-related liabilities.
- Worldwide coverage — protection extends to international projects and exposures where admitted placement is acceptable.
- Broad definition of professional services — includes Green, LEED, and BIM-related services.
- Excess limits — additional limits can be placed for specific designated projects.
- Supplementary payments — standard supplementary payments are included.
- Regulatory and administrative actions — coverage up to $25,000 for ADA, FHA, OSHA and similar matters.
- Loss of earnings and expenses — up to $500/day, $15,000 total.
- Subpoena and record request coverage — up to $5,000.
- Professional license and disciplinary proceedings — up to $50,000.
Underwriting Notes and Minimum Premiums
Minimum premiums and terms depend on the firm’s scope of services, annual revenue, project types, and claims history. Underwriters assess exposures such as construction-phase services, contract wording, and international work when quoting. We can consider excess capacity and project-specific limits for higher-value placements.
Territories and Availability
Admitted coverage is available in most states. This program is currently offered in:
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
Why Work With Continental Risk / Continental Marine Insurance Services?
As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services pairs specialized underwriting knowledge with broad market access for design professionals. Agents benefit from responsive service, pragmatic underwriting tailored to A&E exposures, and the ability to place both standard and complex risks.
Whether your client is expanding into sustainable construction, managing multi-state projects, or seeking project-specific excess limits, our team can help you identify appropriate admitted markets and craft policy terms that address the client’s professional exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for architects, engineers, LEED-certified professionals, and firms involved in sustainable design or complex projects.
Is coverage available in all states?
Admitted coverage is available in most U.S. states, including major markets such as CA, TX, NY, and FL.
Are project-specific excess limits available?
Yes. We can place excess limits tailored to designated projects when higher coverage amounts are required.
Does the policy cover regulatory and administrative actions?
Yes. Coverage of up to $25,000 is available for certain administrative matters involving ADA, FHA, OSHA, and similar regulations.
What makes Continental Risk a strong partner for A&E insurance?
We provide market access, underwriting expertise, and tailored coverage solutions specifically for architecture and engineering firms, with responsive service for both routine and complex placements.
Need help placing an account? Connect with a market specialist.