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...ents serve clients involved in architectural and ornamental metal work, decora...llion, including those performing architectural, ornamental, and structural me...

...accounts include: - A boutique architectural firm specializing in sustainable ...

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...ace include: Architects and architectural firms Civil, structural, mechan...ts You Might Place A 12-person architectural firm specializing in mid-size ...

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.

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.

... Flexible limits and deductible structures Defense outside the limits an...