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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.

Policy Highlights for Directors and Officers Insurance: In today’s litigious and highly regulated business environment, Directors and Officers (D&O) face elevated risks and increasing personal liability. Without a dedicated D&O policy in place, their personal assets may be exposed in the event the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, offering D&O solutions across multiple industries. Whether your client operates a nonprofit, a privately held company, or a publicly traded corporation, Colonial General can help you secure tailored protection that addresses their leadership liability exposures. Some markets are admitted, providing additional flexibility depending on the risk and jurisdiction. Ideal Accounts and Appetite This program is suitable for a wide range of organizations, including: Nonprofit organizations (charities, foundations, associations) Privately held corporations across various industries Publicly traded companies with evolving governance risks D&O insurance through Colonial General can be packaged with related coverages such as Employment Practices Liability Insurance (EPLI), Crime, and Fiduciary Liability, creating a robust management liability solution. Coverage Highlights and Advantages Colonial General’s D&O program offers a broad and flexible policy structure with the following key features: Smooth excess policy structure with an expansive definition of “drop-down event,” enabling the policy to respond when underlying insurers deny or intend to deny coverage No exclusions for bodily injury, property damage, or pollution—uncommon in many standard D&O policies Broad definition of "loss," ensuring wider claims applicability Targeted “organization vs. insured person” exclusion focused only on collusive internal actions Comprehensive definition of "claim" that includes arbitration, mediation, extradition proceedings, subpoenas, and more Enhanced Outside Directorship Liability for insureds serving on external boards Coverage terms and pricing will vary depending on the carrier and the nature of the risk. Underwriting Notes and Minimum Premiums Each submission is reviewed individually, and underwriting requirements may differ by carrier. While there is no stated minimum premium, Colonial General works with a range of markets to match your client’s risk profile with the right solution. Submissions with prior claims, board governance issues, or operating in high-risk industries may require additional underwriting scrutiny. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted or non-admitted markets may vary by state and type of risk. Why Work With Colonial General Colonial General brings extensive experience and market access to help agents place complex management liability risks. As a trusted MGA and E&S broker, they provide responsive service, flexible policy structures, and guidance through the placement process. Whether you’re looking to protect the leadership of a growing nonprofit or secure D&O coverage for a mid-sized private firm, Colonial General is a strong partner for your clients’ evolving needs. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s D&O program?Nonprofits, privately held businesses, and publicly traded companies are all eligible. The program is designed to accommodate a broad range of industries and organizational structures. Can this D&O coverage be packaged with other management liability products?Yes, in many cases D&O coverage can be packaged with EPLI, Crime, and Fiduciary Liability depending on the client's needs and the carrier’s appetite. What makes Colonial General’s D&O program different?The program offers broader definitions of key terms, fewer standard exclusions, and enhanced protection for outside directorships, giving insureds stronger protection in complex scenarios. Are admitted markets available for this program?Yes, some admitted markets are available depending on the risk and the state. Colonial General also has access to non-admitted markets when needed. Which states is the program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.