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Continental Risk / Continental Marine Insurance Services offers a focused Architects and Engineers (A&E) Insurance program that helps agents place reliable professional liability protection for design professionals. We understand the exposures A&E firms face — from alleged design errors and construction-phase claims to regulatory and disciplinary actions — and we deliver admitted coverage in most states through our carrier relationships and underwriting expertise. Our program is designed for agents and brokers who need flexible, market-ready solutions for small firms up to large consultancies. We provide access to competitive admitted markets in most states, options for project-specific excess limits, and policy features that address evolving risks such as green building, BIM services, and international project exposures. Ideal Accounts and Appetite This A&E program is a fit for a broad range of design professionals, including: Architects and architectural firms Civil, structural, electrical, and mechanical engineers Landscape architects and land surveyors Interior designers and urban planners LEED-certified professionals and firms using BIM technology We consider both start-ups and established practices. Accounts with green building projects, sustainable design elements, or complex multi-jurisdictional work match the program well. We also welcome clients returning from other carriers — loyalty credits may apply for certain renewals previously written with markets like Markel. Example placements you might bring: A mid-size civil engineering firm performing municipal infrastructure design with occasional international consulting assignments. An architectural studio specializing in LEED-certified multifamily projects that needs admitted coverage and available project-specific excess limits. Coverage Highlights and Advantages Key features agents can offer through this program include: No pollution exclusion — coverage can be available for claims involving pollution-related liabilities. Worldwide coverage — protection extends to international projects and exposures where admitted placement is acceptable. Broad definition of professional services — includes Green, LEED, and BIM-related services. Excess limits — additional limits can be placed for specific designated projects. Supplementary payments — standard supplementary payments are included. Regulatory and administrative actions — coverage up to $25,000 for ADA, FHA, OSHA and similar matters. Loss of earnings and expenses — up to $500/day, $15,000 total. Subpoena and record request coverage — up to $5,000. Professional license and disciplinary proceedings — up to $50,000. Underwriting Notes and Minimum Premiums Minimum premiums and terms depend on the firm’s scope of services, annual revenue, project types, and claims history. Underwriters assess exposures such as construction-phase services, contract wording, and international work when quoting. We can consider excess capacity and project-specific limits for higher-value placements. Territories and Availability Admitted coverage is available in most states. This program is currently offered in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work With Continental Risk / Continental Marine Insurance Services? As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services pairs specialized underwriting knowledge with broad market access for design professionals. Agents benefit from responsive service, pragmatic underwriting tailored to A&E exposures, and the ability to place both standard and complex risks. Whether your client is expanding into sustainable construction, managing multi-state projects, or seeking project-specific excess limits, our team can help you identify appropriate admitted markets and craft policy terms that address the client’s professional exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for architects, engineers, LEED-certified professionals, and firms involved in sustainable design or complex projects. Is coverage available in all states?Admitted coverage is available in most U.S. states, including major markets such as CA, TX, NY, and FL. Are project-specific excess limits available?Yes. We can place excess limits tailored to designated projects when higher coverage amounts are required. Does the policy cover regulatory and administrative actions?Yes. Coverage of up to $25,000 is available for certain administrative matters involving ADA, FHA, OSHA, and similar regulations. What makes Continental Risk a strong partner for A&E insurance?We provide market access, underwriting expertise, and tailored coverage solutions specifically for architecture and engineering firms, with responsive service for both routine and complex placements. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. Here at MAXIMUM we understand the intricacies and obligations of the professional liability sector. That is why we created the Professional Solutions Insurance package — a tailored program that combines rigorous form analysis with flexible insurance structures to meet your clients' needs. Our MAX team reviews policy forms, identifies gaps, and crafts appropriate insurance terms to fit each account. Overview of the Program from MAXIMUM MAXIMUM’s Professional Solutions Insurance program provides wholesale access to national markets and editorial support for complex professional exposures. We partner with industry-leading carriers and can structure coordinated solutions across the P&C lines most relevant to professional and management risks. The program is designed for agents and brokers who need a partner that understands form language, coverage nuances, and placement strategies for difficult-to-place accounts. Coverage Expertise: • Crime liability • Long term care liability • Technology / Cyber liability • Architects & Engineers liability • Employment Practices liability (EPL) / HR exposures • Errors & Omissions (E&O) insurance • Directors & Officers (D&O) insurance • Miscellaneous medical liability • Kidnap, Ransom & Extortion (KRE) insurance • Privacy & Network Security liability Ideal Accounts and Appetite This program is built for a wide range of professional classes, with particular depth in healthcare, technical design trades, and organizations with management exposure. Target classes include: • Architects and Engineers • Assisted living facilities • Nursing homes • Insurance agents and brokers • Gaming / Crime exposures • Home healthcare providers • Physician groups (10+ providers) • Private and public organizations • Law firms (10+ attorneys) • Surgical centers • Hard-to-place physicians • Not-for-profit organizations Typical fits are accounts with specialized professional exposures, claims-sensitive histories that benefit from form-by-form analysis, and clients requiring combined solutions across E&O, D&O, EPL, and cyber. Accounts that generally do not fit include highly speculative ventures without established controls or accounts that require admitted-only placement where admitted markets are not available. Coverage Highlights and Advantages Form review and policy tailoring — our team performs detailed form analysis to align coverage to client operations. Access to national markets — longstanding carrier relationships let us structure placements across the country. Multi-line flexibility — combine professional liability, management liability, cyber/privacy, and specialty coverages in coordinated solutions. Specialized underwriting — experienced underwriters who understand technical professions and healthcare specialties. Underwriting Notes and Submission Requirements Underwriting focuses on exposures, claim history, controls, and risk management practices. Submissions should generally include a current application, most recent loss runs (typically five years), prior policy forms/declarations, and any relevant risk management materials (policies, procedures, contracts). Flag accounts early that have complex limits, unusual contract wording, or recent losses so we can match them to the appropriate market quickly. Territories and Availability The Professional Solutions Insurance program has placement capability nationwide, including all 50 states and DC. As a wholesale broker, availability may vary by carrier appetite and by admitted vs. non-admitted options — submit accounts and we will confirm market eligibility and the best placement route for each state. Why Work With MAXIMUM on Professional Solutions Wholesale broker expertise — we act as an extension of your brokerage team, handling market placement and policy negotiations. Carrier relationships — long-standing partnerships allow us to structure non-standard placements and coordinate multi-line solutions. Service orientation — form analysis, coverage recommendations, and responsive underwriting support to help you close difficult accounts. Example scenarios: You have a ten-physician group with network security concerns and employment practices exposure — we can package E&O, cyber, and EPL in a coordinated submission. An A/E firm needs liability limits and contract wording review for a large public project — we perform form analysis and pursue carriers that will accept contractually sensitive terms. Please reach out to us today by phone or email with any questions and to discuss how we can assist you in this placement process. Frequently Asked Questions What types of accounts are a good fit for the Professional Solutions Insurance program?Accounts with professional, management, or technology exposures that need tailored forms and coordinated multi-line solutions — for example, A&E firms, healthcare providers, law firms, brokerages, and not-for-profits. We prefer accounts with supporting documentation (applications, loss runs, contracts) available for review. What submission materials should I include to start the placement?Include a current application, five years of loss runs, prior policy forms and limits, and any relevant risk management documents (contracts, cybersecurity policies, credentialing processes). Early disclosure of prior losses or high-severity exposures helps us route the account to the right market faster. Is the program available in all states?Yes — we have market access nationwide, including all 50 states and DC. Specific admitted or non-admitted options depend on carrier appetite for the class and state. How quickly can you get a quote or placement?Turnaround depends on account complexity and market response. Clean renewals or straightforward submissions can move quickly; contractually sensitive or claims-heavy placements require more time. Providing complete submission materials will expedite the process. Can you combine cyber or privacy coverage with professional liability?Yes. We routinely structure packages that combine E&O, cyber/privacy, EPL, D&O, and other specialty lines when appropriate to the client’s exposures and carrier appetite. Need help placing an account? Connect with a market specialist.

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