Mercer Consumer has long supported architects and engineers in delivering professional construction designs, managing complex projects, and providing expert consulting services. We understand that the same level of precision and professionalism applied to your clients' work should also be reflected in their insurance protection.
Our Architects and Engineers Professional Liability Insurance program is designed to help insurance agents and brokers place coverage that meets the unique risks associated with design professionals. Whether your clients are solo practitioners or mid-sized firms, this program offers solutions tailored to their professional exposures.
Mercer Consumer currently serves over 1,500 design firms and is the exclusive administrator of the professional liability program for the American Society of Mechanical Engineers (ASME). We also serve members of other top-tier professional associations such as IEEE, demonstrating our deep experience and strong relationships in the engineering and architecture sectors.
Available on an admitted basis in all states except AK, LA, VT, and WY. For those states, we offer alternate options to ensure comprehensive coverage access.
Coverage is underwritten by Beazley, a recognized leader in specialty insurance, and is distributed through Mercer Consumer as a trusted Managing General Agency (MGA).
Ideal Accounts and Appetite
This program is ideal for licensed design professionals and firms involved in:
- Architecture and landscape architecture
- Civil, structural, mechanical, and electrical engineering
- Interior design and urban planning
- Project management and construction consulting
You might have a client who’s a mechanical engineering firm working on energy-efficient HVAC systems or a mid-sized architecture firm focused on commercial retail spaces—both are strong candidates for this program. We also welcome risk-conscious firms that participate in peer review or maintain formal QA/QC procedures.
Coverage Highlights and Advantages
This professional liability program provides:
- Protection against claims related to design errors, omissions, and negligent professional services
- Coverage tailored to the specific services offered by the insured
- Access to risk management tools and expert claims handling
- Optional coverage enhancements based on firm size and specialty
Our long-standing partnerships with engineering associations allow us to offer specialized benefits not found in many general market offerings.
Underwriting Notes and Minimum Premiums
Premiums are determined based on each firm’s risk profile, including services offered, project types, revenue, and claims history. There is no set minimum premium, allowing flexibility for small firms and startups. Our underwriters evaluate each submission on its individual merits, helping you find competitive solutions for a wide range of accounts.
Territories and Availability
This program is available in most U.S. states. We offer admitted coverage in all states except Alaska, Louisiana, Vermont, and Wyoming, where we can provide alternative options through our network. Our expansive availability allows agents to confidently place coverage for clients across the country.
Why Work With Mercer Consumer?
Mercer Consumer brings more than 25 years of experience in providing professional liability insurance to architects and engineers. As a managing general agency with exclusive programs and a strong carrier partner in Beazley, we offer agents a reliable, knowledgeable, and responsive placement partner. Our association relationships and specialized underwriting give you an advantage when serving design professionals.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed architects, engineers, interior designers, and project managers—especially those working with commercial, residential, or infrastructure projects—are strong candidates.
Is this coverage available nationwide?
Yes, the program is available in most states on an admitted basis, except in AK, LA, VT, and WY, where alternative solutions are offered.
Who underwrites this Architects and Engineers Professional Liability program?
The coverage is underwritten by Beazley, a respected carrier known for its expertise in professional liability.
Is there a minimum premium requirement?
No, there is no set minimum premium. Pricing is based on each firm's individual risk characteristics.
What association partnerships does Mercer Consumer have?
Mercer Consumer exclusively manages the professional liability program for ASME and supports members of other associations like IEEE.
Need help placing an account? Connect with a market specialist.