Professional Liability Coverage for Architects, Engineers & Land Surveyors
Eastern Special Risk Insurance Agency offers a focused Professional Liability program for design professionals — including architects, civil/structural/mechanical/electrical engineers, and licensed land surveyors. The program is built for agents and brokers who need access to specialty capacity and flexible terms to protect clients against claims of negligence, errors, or omissions in design and surveying services.
Ideal Accounts and Target Classes
This program targets licensed professionals and small-to-mid-sized firms that provide design, planning, and surveying services for construction and development projects. Typical classes include:
- Architectural firms and sole practitioners
- Civil, structural, mechanical, and electrical engineering firms
- Land surveying companies and multi-discipline consultancies
Whether your client is a solo architect, a municipal infrastructure engineering team, or a regional surveying firm, Eastern Special Risk can place accounts that fit within its underwriting appetite.
Coverage Highlights and Advantages
- $1,000,000 per claim / $2,000,000 aggregate limits with excess available for larger needs
- Professional liability coverage for errors, omissions, and negligent acts in professional services
- Access to Lexington Insurance Company, providing strong specialty market capacity
- Broad appetite for A&E risks with underwriting flexibility for a wide range of project types
- Program available on a non-admitted basis in all 50 states and the District of Columbia
This coverage helps protect insureds from claims arising from design flaws, inaccurate surveys, construction delays attributable to professional services, and related legal defense costs and damages.
Underwriting Considerations
Submissions are evaluated on project types, firm controls, scope of services, revenue mix, and prior loss history. There is no stated minimum premium, but accounts should demonstrate solid risk management practices and a clearly defined scope of work.
Typical submission requirements include a completed application, firm resume or profile, loss runs (if applicable), and details on recent or ongoing projects. Underwriters consider project size, contract wording, design-build involvement, and any prior claims when assessing terms.
Available Nationwide
This program is available in all 50 states and the District of Columbia. Eastern Special Risk operates as a national general agency, enabling you to place professional liability business for clients from large metropolitan markets to smaller regional or rural accounts.
Why Work With Eastern Special Risk Insurance Agency?
Eastern Special Risk combines market access with responsive underwriting and placement service. As a general agency with access to Lexington Insurance Company and other specialty markets, they offer tailored solutions for the design professions and support agents through the placement process. Their team works to align coverage with contract requirements and to meet typical broker timelines.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include licensed architects, civil and structural engineers, and land surveyors engaged in commercial, residential, or municipal projects.
Is this program admitted or non-admitted?
This program is written on a non-admitted basis through Lexington Insurance Company and is available in all 50 states and DC.
Are excess limits available beyond $1 million/$2 million?
Yes, excess limits are available to meet the needs of larger or higher-risk professionals and firms.
Does Eastern Special Risk only work with large firms?
No, Eastern Special Risk works with firms of all sizes, including solo practitioners and small-to-midsized operations.
What information is needed to get a quote?
Typical submissions should include a completed application, firm resume or profile, loss runs (if applicable), and project details or scope of services.
Need help placing an account? Connect with a market specialist.