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Architects and Engineers Insurance
Overview of the Program From J.M. Wilson Corp.
J.M. Wilson Corp. offers a focused Architects and Engineers professional liability program designed for independent agents and brokers who need reliable markets and tailored terms for design professionals. As a Managing General Agency and Excess & Surplus Lines broker, we place accounts with a mix of admitted and non-admitted carriers—some markets are available on an admitted basis while others are non-admitted. We work with a number of “A” rated carriers to deliver capacity, flexible wording and underwriting expertise specific to design exposures.
Ideal Accounts and Appetite
This program targets architects, engineers and closely related professional service firms. Typical classes we place include:
Architects and architectural firms
Civil, structural, mechanical and electrical engineers
HVAC engineers
Land surveyors
Interior design services
Construction and project management / construction management
Design-build firms (select accounts)
We seek firms with professional exposures tied to design errors, omissions, delayed performance, and project management. Accounts with clear project documentation, reasonable revenue size, and strong risk-management practices are the best fit. High-risk classes—such as firms with significant construction performance guarantees, large unconcluded litigation histories, or very large self-performed construction operations—may be restricted or require placement with specialty carriers.
Coverage Highlights and Advantages
Professional Liability (Errors & Omissions) forms tailored to architects and engineers
Specific job excess and aggregate options
Design/build and construction management exposures accommodated
First dollar defense available in select markets
Aggressive limits up to $5,000,000 (subject to underwriting)
Coverage placed with “A” rated markets—admitted and E&S offerings
Underwriting Notes and Minimum Premiums
Underwriting focuses on firm size, project types, revenue by practice area, loss history and contract provisions. Provide a current application, last three years of loss runs, and copies of professional service agreements when available to speed placement.
Minimum premiums vary by carrier and limit. Representative minimums available in this program include:
$1,000,000 limit: $5,000 minimum premium
$500,000 limit: $4,000 minimum premium
$250,000 limit: $3,000 minimum premium
$100,000 limit: $2,000 minimum premium
Minimum deductible typically begins at $2,500; deductible and premium will depend on carrier, limits and account characteristics.
Territories and Availability
This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, VA, WV, WI. Availability and admitted status vary by state and carrier—J.M. Wilson will advise whether an admitted or non-admitted placement is appropriate for each account.
Why Work With J.M. Wilson Corp. on Architects & Engineers Business
Industry-focused underwriting that understands design professional exposures.
Access to both admitted and specialty E&S markets to solve placement challenges.
Flexible features such as specific job excess, first dollar defense options and design/build wording.
Responsive account handling for agents: targeted appetite guidance and practical submission requirements.
Example Accounts You Might Place
A 12-person architectural firm specializing in mid-size commercial renovations seeking $1M professional liability with aggregate deductible—good fit with available admitted and E&S options.
A civil/structural engineering consultancy providing site design and construction observation on municipal projects with clean loss history seeking limits to $2M—eligible for specific job excess and project-based terms.
Frequently Asked Questions
What types of architect/engineer accounts are best for this program?Firms that provide professional design services—architects, structural, civil, mechanical and electrical engineers, land surveyors, and interior design services—are core targets. Best-fit accounts have documented projects, reasonable revenue, and limited prior claims activity.
Do you offer admitted paper or only surplus lines?J.M. Wilson works with both admitted and non-admitted carriers. Availability depends on the state and carrier; we will advise which option is appropriate for each submission.
What information speeds up underwriting and placement?Include a completed application, three years of currently valued loss runs, revenue by practice area, sample professional service agreements, and a list of projects in progress. Clear documentation of contract risk-transfer provisions helps underwriting evaluate terms faster.
Are design/build and construction management exposures eligible?Yes—design/build and construction/project management exposures can be placed, subject to underwriting review and carrier appetite. Larger or higher-risk construction liabilities may require placement with specialized markets.
How are limits, deductibles and minimum premiums handled?Limits up to $5,000,000 are available in select markets. Minimum premiums and deductible levels vary by carrier; representative minimum premiums are provided in this program but final terms depend on underwriting and selected market.
Need help placing an account? Connect with a market specialist.