Tennant Risk Services is a specialty wholesale broker and MGA with deep expertise in professional liability for design professionals. Our Architects & Engineers E&O program gives agents access to multiple carriers and flexible, competitive coverage options tailored for firms ranging from startup architecture practices to large multi-disciplinary engineering shops.
Ideal Accounts and Appetite
We work with both licensed and non-licensed professionals across the design and construction space. Typical classes we place include:
- Architects — residential, commercial and mixed-use
- Civil, structural, electrical, mechanical and process engineers
- Construction managers and design/build firms
- Interior designers and landscape architects
- Land surveyors and urban planners
- Forensic engineers and telecommunications consultants
We also have market strength for harder-to-place accounts such as:
- Firms with product design exposure
- Contractors and manufacturers needing E&O
- Project-specific or wrap-up policies
- Operations with oil & gas or geotechnical exposures
- Startups or firms with adverse loss history
Coverage Highlights and Advantages
Tennant Risk Services’ Architects & Engineers program includes features that help you manage clients’ professional liability risks:
- Minimum premiums starting as low as $1,750
- Flexible limits and deductible structures
- Defense outside the limits and first-dollar defense options
- Coverage for independent contractors and subconsultants
- Access to vendor risk management and loss-control resources
- Optional Cyber and Employment Practices Liability (EPL) extensions
Example accounts we’ve placed to illustrate program fit:
- Residential architect — $500,000 limit; $2,750 premium
- Specialty engineer — $1 million limit; $4,750 premium
- Design/build firm — $2 million limit; $72,500 premium
- Contractor design engineer — $500,000 limit; $3,750 premium
- Structural engineer with project management duties — $1 million limit; $22,000 premium
Underwriting Notes and Minimum Premiums
Our underwriting team evaluates accounts with an eye toward contract scope, fee schedule, project types and loss history. Minimum premiums start at $1,750 depending on class and territory, and we offer a range of deductible and limit options to fit small firms through larger practices. We handle standard risks quickly and have experience navigating more complex or high-exposure accounts.
Territories and Availability
Coverage is available in most U.S. states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Admitted options are available in some states depending on the carrier and specific risk.
Why Work With Tennant Risk Services?
Tennant Risk Services pairs specialty underwriting expertise with broad market access to help retail agents place professional liability coverage efficiently. Key advantages for brokers:
- Multiple carrier relationships to match coverage to exposure
- Responsive service with fast quote turnaround
- Solutions for standard accounts and hard-to-place risks
For more information or to discuss a specific submission, contact us at
[email protected]. You can also visit our
company profile or the program page on CompleteMarkets:
program page.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target a wide range of design professionals including architects, engineers, construction managers and design/build firms — both licensed and non-licensed.
Can you help with hard-to-place risks?
Yes. We place complex accounts such as firms with adverse loss history, product design exposures, unique operations, or specialized project work.
What is the minimum premium for Architects & Engineers E&O?
Minimum premiums start at $1,750. Final pricing depends on class of business, firm size, territory and loss history.
Is coverage available nationwide?
Coverage is available in most states. Admitted options exist in some jurisdictions based on carrier appetite and the specific risk.
Can you include Cyber or EPL coverage?
Yes — Cyber Liability and Employment Practices Liability can be packaged with E&O where appropriate for the client’s exposures.
Need help placing an account? Connect with a market specialist.