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

...rojects. Ideal risks include: Architectural design firms handling commercial ...is program?Ideal accounts include architectural firms, civil and structural en...

...lting practices, including: Architectural firms (solo and group practices) ...program?This program is ideal for architectural and engineering firms with up ...

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.

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

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

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

...de: • Audio Consultants • Architectural Building Code Inspectors • Civi...

...epreciation deduction Other Structures Replacement Cost Coverage Premi... Full Replacement Cost for Other Structures Optional coverage for Vehicl...