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...Insurance program designed for architectural, engineering and design firms tha...neral’s program?Small to mid-size architectural and engineering firms with typical commercial, ...

...ace include: Architects and architectural firms Civil, structural, mechan...mp;S options. A civil/structural engineering consultancy providing site desi...

...luding: Architects and architectural firms Civil, structural, elec... specifically for architecture and engineering firms, with responsive service ...

Caitlin Morgan Insurance Services offers a specialized Architects & Engineers (A&E) Professional Liability Insurance program for small to mid-sized design firms. Backed by experienced loss prevention specialists and regional production support, this program delivers targeted protection and proactive risk-management resources to help reduce the chance of costly claims. Whether your client is an architect on residential developments or a civil engineer working on infrastructure, Caitlin Morgan provides reliable coverage tailored to the unique exposures of the design industry. Ideal Accounts and Appetite This program is focused on design professionals with annual billings under $7.5 million. Caitlin Morgan has a broad appetite across typical A&E classes, including: Architects Draftsmen Interior designers Landscape architects Land surveyors Civil, mechanical, structural, and electrical engineers Agency construction managers (excluding project design and at-risk construction managers) Examples you might place here: a small architecture firm expanding into commercial work, or a land surveyor bidding on public infrastructure projects. Firms with more complex, at-risk construction management or very large billings typically exceed this program's target appetite. Coverage Highlights and Advantages Errors & Omissions (E&O) / Professional Liability coverage designed for A&E exposures Admitted paper available to meet state compliance and client preferences Limits ranging from $100,000 up to $5,000,000 Deductibles starting at $2,500 Access to loss prevention expertise and risk-management tools to help avoid claims Underwriting Notes and Minimum Premiums Minimum premium guidance: $1,250 for a $1M limit for most eligible classes. Structural engineers carry a higher minimum premium (starting at $7,500 for a $1M limit) due to elevated exposure. Underwriters evaluate project mix, past claims history, firm size and contract language—so provide complete firm profiles, recent loss runs, and sample contract terms when submitting. Territories and Availability This A&E program is available in all 50 states and Washington, D.C., with admitted paper offered where applicable. Agents nationwide can place qualified accounts with confidence in territory availability and regulatory compliance. Why Work With Caitlin Morgan Insurance Services? As a wholesale broker focused on niche professional liability programs, Caitlin Morgan combines underwriting expertise with strong carrier relationships to deliver competitive solutions for design professionals. Their regional production specialists and loss prevention resources make submissions smoother and help your clients manage exposures before a claim arises. From quoting through policy issuance, Caitlin Morgan supports agents with market access and practical placement guidance. Frequently Asked Questions What types of accounts are a good fit for this program?Design professionals with less than $7.5 million in annual billings—such as architects, engineers, and surveyors—are the primary targets for this program. Is the coverage written on admitted paper?Yes. Admitted paper is available through this program, providing flexibility and regulatory compliance in most states. Does this program include risk management support?Yes. Caitlin Morgan provides access to loss prevention experts and risk-management tools to help reduce the likelihood and severity of claims. Are structural engineers eligible for this program?Structural engineers are eligible, but expect higher minimum premiums (starting at $7,500 for a $1M limit) because of increased exposure. Which states is this program available in?The program is available in all 50 states and Washington, D.C., making it accessible for agents and brokers nationwide. Need help placing an account? Connect with a market specialist.

Overview of the Program from Southern Insurance Underwriters, Inc. Southern Insurance Underwriters, Inc. (SIU) offers a dedicated Professional Insurance program designed for agents and brokers placing professional lines business across the Southeast. As an experienced managing general agency, SIU provides access to admitted and non-admitted options (listed as Most Available Markets), flexible limits — including capacity up to $5 million — and a broad appetite for common professional classes. Ideal Accounts and Appetite This program targets small to mid-sized professional and business services accounts that need professional liability and management liability solutions. Typical fits include: Architects, engineers and design professionals (E&O) Healthcare-related professional services (non-physician providers) Technology and media firms (errors & omissions, media liability) Private and public company directors & officers and non-profit boards (D&O) Organizations concerned about employment practices liabilities (EPL) Accounts that often place well through SIU are those with clear risk management, limited past claim activity, and revenues or exposures consistent with admitted or non-admitted program guidelines. Larger, complex national litigants or organizations with extensive prior professional liability losses may require specialty markets outside this program. Coverage Highlights and Advantages Southern Insurance Underwriters combines broad coverage options with competitive capacity and flexible placement choices. Key offerings include: Primary Professional Liability (E&O) — for a wide range of service providers Directors & Officers — including non-profit D&O forms Employment Practices Liability — defense and liability for workplace claims Media Liability — libel, slander and advertising injury exposures Excess Professional Liability and General Liability follow forms available in many cases Optional coverages such as sexual misconduct/abuse and hired/non-owned auto where appropriate Admitted and non-admitted placement options depending on state and appetite Capacity varies by carrier, with program structures that can accommodate higher limits — up to $5 million in many situations — subject to underwriting. Underwriting Notes and Minimum Premiums Underwriting is class-specific and driven by exposure, revenues, prior loss history and contract terms. SIU evaluates each risk to match the appropriate carrier appetite and form. Minimum premium requirements vary by carrier and state; please indicate premium expectations on submissions so underwriters can respond with the correct placement option. Territories and Availability This Professional Insurance program is available in Alabama, Florida, Georgia and South Carolina, with additional markets listed as Most Available Markets depending on the carrier and state rules. Admitted vs. non-admitted options will depend on the state, the class of business and specific carrier availability. Why Work with Southern Insurance Underwriters, Inc.? As an MGA focused on professional lines, SIU brings targeted underwriting expertise, flexible placement paths (admitted and non-admitted), and access to multiple carriers. Agents benefit from: Program capacity for higher limits up to $5 million Broad coverage options for common professional risks Professional underwriting that considers industry nuances and contract language Multiple market options — carriers vary by submission Example accounts you might place A regional architecture firm seeking $1M/$2M E&O limits for design exposures and project-based contracts. A nonprofit organization needing D&O protection for its board and volunteers, with options for admitted placements where available. A small media production company requiring media liability and E&O combined limits for content creation and distribution. For specific submissions, include an ACORD application, current loss runs, professional resumes or CVs (if relevant), and any standard contracts that create liability exposure. SIU’s underwriting team will review coverage needs and identify the best admitted or non-admitted pairing for the account. Frequently Asked Questions What types of accounts are a good fit for SIU’s Professional Insurance program?Small to mid-sized professional service firms such as architects, engineers, technology and media companies, nonprofits and organizations needing D&O/EPL protection are ideal. SIU evaluates each account for revenue, exposure and prior loss history to find the right carrier fit. Does SIU offer admitted paper?Yes. SIU places business in both admitted and non-admitted markets depending on state availability and carrier appetite. The program is listed as Most Available Markets and placement will depend on the account and jurisdiction. What limits and capacity are available?Coverage capacity varies by carrier but SIU’s Professional program can provide limits up to $5 million in many cases. Exact limits depend on the class, exposure and underwriting review. What do underwriters typically need for a submission?Include a completed ACORD application, current loss runs (usually 5 years if available), revenue figures, a description of professional services performed, and any standard contracts. Additional items like resumes or risk management procedures may help obtain favorable terms. Are minimum premiums published?Minimum premiums vary by carrier, state and coverage. Indicate expected premium or budget on the submission and SIU will route the account to the appropriate market and advise on minimums. Need help placing an account? Connect with a market specialist.

... a client who operates a small architectural firm in New Jersey and needs both...