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MCGOWAN, DONNELLY & OBERHEU, LLC Professional Liability Insurance Eligible Classes: Accountants Architects & Engineers Environmental / Pollution Liability Excess Liability Financial Services Insurance Agents & Brokers Lawyers Media Medical Misc. Errors & Omissions Real Estate Errors & Omissions Professional Liability Insurance Solutions from The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a robust Professional Liability Insurance program tailored to help insurance agents and brokers secure coverage for a wide range of professional service providers. As a trusted wholesale broker, we provide access to competitive and comprehensive E&O and professional liability solutions across multiple industries, helping you meet the diverse needs of your clients. Ideal Accounts and Appetite Our Professional Liability Insurance program is designed for a broad spectrum of professional classes. Targeted industries include: Accounting firms, including solo CPAs and multi-partner firms Architects and engineering firms of various sizes Law firms seeking tailored malpractice coverage Medical professionals and healthcare-related service providers Environmental consultants and contractors needing pollution liability Real estate professionals, including brokers and appraisers Insurance agents and brokers looking for E&O coverage Media and advertising professionals with intellectual property exposures Financial service providers, including investment advisors Miscellaneous professional services not otherwise classified If you have a client offering professional services with liability exposure from errors, omissions, or performance failures, this program can help you place that business. Coverage Highlights and Advantages Primary and excess limits available to meet varying risk profiles Access to a wide range of carriers (varies by class and jurisdiction) Coverage tailored to each profession’s unique exposures Optional endorsements and extensions available depending on class Whether your client is a solo architect needing basic E&O protection or a regional law firm requiring layered excess coverage, we can help you secure the right policy structure. Underwriting Notes and Minimum Premiums Underwriting is flexible across a broad appetite, though accounts should demonstrate professional licensing, sound risk management practices, and minimal prior claims activity. While minimum premiums vary by class and carrier, we work with you to find options that balance cost and coverage effectively. Territories and Availability Our Professional Liability Insurance program is available in most states, including 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...VT, VA, WA, DC, WV, WI, and WY. Most offerings are admitted in these states, though availability may vary by class and carrier. Why Work With The McGowan Companies The McGowan Companies bring decades of experience and specialized underwriting knowledge across professional liability lines. As a wholesale broker, we provide agents and brokers with the tools and market access needed to place difficult or specialty risks with confidence. Our dedicated team will assist you throughout the quoting and binding process to help you deliver strong solutions to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional service providers such as accountants, architects, lawyers, medical professionals, insurance agents, and real estate brokers. Are both primary and excess limits available?Yes, we offer both primary and excess liability coverage to meet varying client needs. Which states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please contact us for specific state availability. Can this program cover environmental or pollution liability?Yes, environmental and pollution liability coverage is available for qualifying accounts within our appetite. Do you offer admitted products?Yes, admitted products are available in most states, depending on class and carrier. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Architects and Engineers Professional Liability Insurance Overview of the Program From McGowan, Donnelly & Oberheu As part of The McGowan Companies, McGowan, Donnelly & Oberheu, LLC offers a nationwide Architects and Engineers Professional Liability Insurance program designed specifically for design and construction professionals. This program helps you place coverage for clients who are exposed to complex professional risks, including errors and omissions, project delays, and design liabilities. Ideal Accounts and Appetite This program is well-suited for a wide range of design and engineering professionals, including: Civil Engineers Construction Managers Design/Build Firms Electrical Engineers Forensic Engineers Geotechnical Engineers Landscape Architects Land Surveyors Structural Engineers Whether your clients are sole proprietors or mid-size firms, this program can be tailored to fit their size and scope of operations. You might have a client who is a structural engineer working on mid-rise commercial buildings, or a design/build firm managing multi-use developments—this program is designed to meet those needs. Coverage Highlights and Advantages The program provides comprehensive protection for a range of professional exposures, with coverage options that include: Professional & Management Liability Primary and Excess Limits Available Coverage is structured to help protect your clients from claims alleging negligence, design flaws, and professional errors that result in financial damages. Access to both primary and excess layers gives you flexibility when placing accounts with higher exposure or complex contracts. Underwriting Notes and Minimum Premiums Each submission is evaluated individually, and underwriting flexibility allows for competitive structuring based on firm size, project types, and claims history. While minimum premiums may vary, our underwriting team works closely with brokers to ensure each risk is properly assessed and priced accordingly. Territories and Availability This program is available in all 50 states and Washington, D.C. Coverage is written on both admitted and non-admitted paper, depending on the risk and state requirements. This allows you to serve clients in diverse geographic regions without limitations. Why Work With The McGowan Companies As a wholesale broker with deep expertise in professional liability, The McGowan Companies bring decades of experience and strong carrier relationships to the table. You gain access to a wide range of markets and a responsive underwriting team that understands the unique risks faced by architects, engineers, and construction professionals. For more information on Architects and Engineers Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for civil, structural, electrical, and geotechnical engineers, as well as landscape architects, land surveyors, design/build firms, and construction managers. Is this coverage available nationwide?Yes, the program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the state and risk profile. Can I access both primary and excess limits through this program?Yes, the program offers both primary and excess liability coverage options, giving you flexibility to meet higher coverage requirements. What carriers are available for this program?Carrier options vary based on the risk and location. McGowan, Donnelly & Oberheu, LLC works with a range of reputable carriers to provide competitive solutions. What information is required to get a quote?Typical submissions include a completed application, loss runs, firm resumes, project lists, and details about services offered. Underwriters may request additional documents as needed. Need help placing an account? Connect with a market specialist. ...

Overview of the Program From Eastern Special Risk Insurance Agency Eastern Special Risk Insurance Agency offers a focused Forensic Professional Liability program designed for part- and full-time forensic experts. This program places professional liability coverage (post-occurrence exposures only) through Lexington Insurance Company, with limits available up to $1,000,000 per claim / $3,000,000 aggregate. It is built for agents who need a straightforward market for forensic and technical experts with competitive pricing and low minimums. Ideal Accounts and Appetite This program targets practicing forensic professionals and expert witnesses across most technical and medical classes. Typical classes that fit well include: Engineers Accident reconstruction specialists Physicians Surgeons Dentists Insurance industry experts Most other professional classifications providing expert services Accounts with clear, documented expert credentials and a history of retained expert work are preferred. The program is not intended for firms that require broad package forms (GL/PL combined) or for high-frequency expert placements without individual underwriting review. Coverage Highlights and Advantages Professional liability only — tailored to expert witness and forensic exposures. Post-occurrence exposures only, with limits available up to $1M/$3M. Access to Lexington Insurance Company capacity through Eastern Special Risk Insurance Agency. Designed for part-time and full-time experts; flexible for single-expert practices or small groups. Competitive pricing with relatively low minimum premiums for eligible accounts. Underwriting Notes and Submission Guidance Underwriting focuses on the expert’s background, scope of expert services, fee structure, and claims history. Typical items to include with a submission are a brief application or cover letter outlining services, CVs or résumés for the experts, and current loss runs or claims history where applicable. Because this program provides post-occurrence exposures only, discuss prior acts/retro date requirements with underwriting at placement. Accounts with ongoing high-volume forensic placements or those requiring coverage beyond professional liability (for example, general liability or cyber) will generally need alternate placement or a supplemental market. Territories and Availability This program is available in the states listed with the storefront and through Eastern Special Risk Insurance Agency’s wholesale distribution. Please confirm state availability for a specific account at submission; underwriting and state filing considerations may apply. Why Work With Eastern Special Risk Insurance Agency on This Business Eastern Special Risk Insurance Agency combines targeted underwriting for forensic professionals with access to Lexington Insurance Company’s capacity. That pairing makes it a practical option for agents seeking a specialized professional liability market for expert witnesses and forensic consultants. The program’s underwriting is pragmatic and service-oriented, which helps move placements efficiently for qualified accounts. Example Account Scenarios You have a civil/forensic engineer who provides accident reconstruction and expert testimony on a part-time basis. They need professional liability limits and prefer an occurrence-oriented placement. This program is a strong fit. A dental expert witness with several retained cases per year wants standalone professional liability coverage with competitive premiums and limits to $1M/$3M — this program can be presented for placement consideration. Frequently Asked Questions What types of accounts are a good fit for this Forensic Professional Liability program?Independent experts and small practices that provide forensic opinions or expert witness services — engineers, accident reconstruction specialists, physicians, dentists, and similar professional classes. The program is best for accounts seeking professional liability only and occurrence/post-occurrence exposures. What limits and forms are available?Limits are available up to $1,000,000 per claim / $3,000,000 aggregate. Coverage is professional liability only and written for post-occurrence exposures. Contact underwriting for specific form language and options. What submission materials does Eastern Special Risk typically request?Provide a short application or cover letter describing services, CVs or résumés for the experts, and current loss runs or a claims history summary if available. Additional documents may be requested based on the scope of services and prior exposure. Is this program available nationwide?The program is available in the states listed on the storefront. State availability can be confirmed at the time of submission; certain filings or state-specific requirements may affect placement. How do I get started with a submission?Send a summary of the expert’s services, CV, and any claims history to Eastern Special Risk Insurance Agency’s underwriting team. They will review eligibility and advise on next steps, terms, and any additional information needed for placement with Lexington Insurance Company. Need help placing an account? Connect with a market specialist. ...

... OUR GOAL IS TO UNDERSTAND INSURANCE PROFESSIONALS' NEEDS AND DELIVER CUSTOMIZED COVERAGE SOLUTIONS Mercer Consumer, a trusted name in affinity group insurance since 1949, offers deep expertise in building tailored insurance programs for professionals. With over 60 years of experience and partnerships with more than 350 associations, Mercer Consumer understands the specialized risks professionals face in their industries. Through our Insurance for Professionals program, we provide access to comprehensive Errors & Omissions (E&O) and professional liability coverage designed for a wide range of licensed professionals. We work exclusively with agents and brokers to help you place high-quality business for clients who need protection against claims stemming from professional services. Ideal Accounts and Appetite This program is ideal for licensed professionals and firms that deliver advisory or consultative services. Target classes include: Medical Professionals Legal Professionals and Law Firms Architects and Engineers Real Estate Agents and Brokers Accountants and CPAs Whether you're working with a solo practitioner or a mid-sized firm, we can help you find coverage solutions that address their unique liability exposures. Coverage Highlights and Advantages Mercer Consumer partners with leading carriers such as Liberty Insurance Underwriters, Fireman's Fund, Beazley, C.N.A., Monitor Liability, Arch, Zurich, and others to deliver competitive coverage options. Depending on the professional class and risk profile, we can offer both admitted and non-admitted solutions in most states. Coverage features may include: Claims-made or occurrence-based E&O coverage Defense costs outside the limits (subject to form) Optional endorsements for cyber liability, regulatory defense, and more Flexible limits and deductibles to meet client needs Underwriting Notes and Minimum Premiums Minimum premiums vary by profession and risk profile. We strive to deliver competitive terms without sacrificing key coverage elements. Our underwriting process is efficient, and we work closely with agents to ensure fast turnaround and clarity throughout the placement process. Example: You might have a small architecture firm with a growing list of design-build clients. This program can provide the E&O coverage they need to safeguard against allegations of design flaws or project delays. Territories and Availability The Insurance for Professionals program is available in most states, including 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...and WY. Why Work With Mercer Consumer Mercer Consumer is a Managing General Agency and Excess & Surplus Lines Broker with a long-standing reputation for excellence in the professional liability space. Our carrier relationships, program design expertise, and commitment to service give agents and brokers a strategic edge when placing professional risks. By partnering with us, you gain access to: Nationwide reach with flexible admitted and non-admitted options Broad appetite across professional classes Experienced underwriters who understand complex professional exposures Supportive service from quote to bind and beyond Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for licensed professionals such as attorneys, physicians, real estate agents, architects, and accountants who need Errors & Omissions or professional liability coverage. Is the program available in all states?The program is available in most U.S. states, including all major markets and regions. Contact us to confirm availability for a specific location. What carriers are used for this program?We work with top-rated carriers including Liberty Insurance Underwriters, Fireman's Fund, Beazley, C.N.A., Monitor Liability, Arch, Zurich, and others. Are both admitted and non-admitted options available?Yes, depending on the profession, risk profile, and state, we can offer both admitted and non-admitted coverage solutions. How are minimum premiums determined?Minimum premiums vary based on the insured’s profession, size, and risk exposure. We work with agents to find the best fit for each client. Need help placing an account? Connect with a market specialist.

Continental Risk offers Miscellaneous Professional Liability. Professional service firms face growing liability exposures even when they operate with care. In fact, 1 in 7 professional service providers will face a lawsuit this year. Continental Risk / Continental Marine Insurance Services provides a focused Miscellaneous Professional Liability (MPL) program to help your clients manage those risks with tailored E&O protection. Overview of the Program From Continental Risk As an experienced Excess & Surplus Lines broker, Continental Risk places MPL through a panel of flexible carriers. The program is designed for professionals and firms that do not fit neatly into standard errors & omissions classes. We offer tailored solutions for solo practitioners up to midsize firms and for non-traditional professional services that need meaningful professional liability limits and policy wording. Ideal Accounts and Appetite This MPL program fits a broad variety of professional service providers, including: Architects and engineers Business, management and technical consultants Employment, HR and benefits consultants Financial services providers (non-SEC registered advisory roles) Healthcare and wellness practitioners (non-physician roles) Information technology, software and SaaS firms Legal support services (non-attorney roles) Media, marketing and advertising professionals Real estate service providers Travel agents and tour operators Appetite notes: this program is specifically useful for unique or hard-to-place professions and hybrid operations that require E&O but fall outside typical class codes. Accounts generally considered are service-only exposures or mixed operations where the professional component is primary. Trades, heavy contractors, and risks with significant product liability or professional+general-liability conflation typically do not fit. Coverage Highlights and Advantages Policies available through Continental Risk include features that improve defense and claim handling: Duty to defend language available with certain carriers Custom definitions of “Professional Services” to match the insured’s operations Deductible credits for mediated or early-resolved claims Personal injury and reputation protection options Coverage for confidentiality breaches and administrative proceedings Subpoena compliance assistance and defense support E-professional services wording to cover digital and remote work Automatic coverage for newly acquired subsidiaries (subject to limits) Toll-free risk management hotline for insured support and pre-claim advice These features help your insureds manage exposures and respond to allegations of professional negligence or omission. Underwriting Notes and Minimum Premiums Continental Risk leverages multiple carrier relationships to match policy form and price to the risk. Underwriting is flexible: we review business models, revenue, claims history, controls, and contract wording. Most MPL policies in this program are written on a claims-made basis, although terms vary by carrier and account. Minimum premium starts at $750, depending on class, limits, and underwriting factors. Provide complete applications, current contracts, and any prior acts or claims information to expedite placement. Territories and Availability This MPL program is available in most U.S. states, including 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... WV, WI, and WY. Availability and admitted/non-admitted options vary by state and carrier—some admitted markets are available depending on the class of business. Why Work With Continental Risk Continental Risk / Continental Marine Insurance Services combines deep E&S market access with focused underwriting for professional liability. As a broker, we help you place complex, niche, and hard-to-place E&O accounts efficiently by matching contract-sensitive clients to carriers that will tailor form and limits. We also provide responsive quoting and placement support through binding and policy issuance. Example scenarios that place well in this program: you might have a digital marketing firm that needs E-professional services coverage for online campaign advice, or an HR consultant facing potential administrative proceeding exposures who requires defense for hearings and advice services. Both account types can often be placed through this MPL program with appropriate underwriting submission. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous Professional Liability program?This program is ideal for a wide variety of professional service providers, including consultants, media firms, IT professionals, real estate service providers, and other non-traditional professions that need E&O coverage. Is this program available nationwide?Yes, the MPL program is available in most U.S. states, including all major markets listed on this page. State availability and whether admitted or non-admitted coverage is offered depends on the carrier and class—please contact us for state-specific details. What is the minimum premium for this program?The minimum premium for eligible accounts typically starts at $750, depending on the class of business, limits requested, and risk profile. Are claims-made or occurrence policies offered?Most policies are written on a claims-made basis, which is standard for professional liability. Coverage terms can vary by carrier and account, so submit details if you require occurrence wording. Does the program include coverage for digital or online services?Yes, e-professional services coverage is included with many carriers in the panel, making this a strong option for clients delivering digital, remote, or SaaS-based professional services. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Environmental / Pollution Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a targeted Environmental / Pollution Professional Liability Insurance program for consultants and contractors operating in high-risk environmental sectors. This program is designed for professionals involved in hazardous operations and environmental remediation and helps your clients manage liability tied to pollution events, regulatory compliance, and professional errors or omissions. Ideal Accounts and Appetite This program fits a broad range of environmental professionals and service providers, including: Environmental consultants Environmental contractors Crime scene and illegal drug lab clean-up operators Hazardous material and medical waste handlers Mold remediation and damage restoration firms Radon mitigation specialists Oil & gas environmental consultants McGowan’s underwriting is focused on clients with pollution-related exposures or regulatory obligations. The program is particularly useful when clients face complex cleanup, third-party bodily injury or property damage exposures, or contractually required professional liability limits. Coverage Highlights and Advantages Key features of the Environmental / Pollution Professional Liability program include: Professional and management liability coverage tailored to environmental risks Primary and excess coverage options to meet contract or project requirements Coverage for bodily injury, property damage, and remediation/cleanup costs arising from pollution incidents Protection against claims stemming from professional errors, omissions, and negligent services The program is structured to serve both small firms—such as independent mold remediators—and larger regional contractors with more complex operations. Underwriting Notes and Minimum Premiums McGowan works with multiple carriers to place environmental professional liability, allowing flexibility across classes and locations. Underwriting considers scope of services, project types, loss history, and risk management practices. Minimum premiums and specific terms vary by carrier and class of business; contact McGowan, Donnelly & Oberheu, LLC for firm indications based on your client’s submission. Territories and Availability Coverage is available in most states, including but not limited to AL, CA, FL, NY, TX, and WA. The program is offered on an admitted basis in most jurisdictions, improving regulatory ease for clients; confirm availability and admitted status for the specific state and class of business with McGowan. Why Work With The McGowan Companies? As a wholesale broker with deep niche experience, The McGowan Companies provides access to specialized underwriting and a broad carrier network for environmental risks. Their team can help you match complex or hard-to-place environmental accounts to appropriate markets and structure primary or excess placements efficiently. For more information on Environmental / Pollution Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for environmental consultants, contractors, mold remediation firms, hazardous waste handlers, radon specialists, and similar businesses with pollution-related exposures that require professional liability and cleanup protections. Is this coverage available nationwide?The program is available in most states, including CA, TX, FL, NY, and others. Availability and admitted status may vary by state and class—confirm with McGowan for the specific location. What coverage limits are available?Both primary and excess limits are offered. Limits and retentions are tailored to the client’s exposure and contractual needs and will depend on carrier appetite and the submission details. Can small or startup environmental firms qualify?Yes. Underwriting is flexible for small to mid-sized operations and newer firms that demonstrate appropriate risk controls, training, and loss prevention practices. What carriers does McGowan work with for this program?Carrier partners vary by risk profile and geography. McGowan leverages a panel of markets to place different classes of environmental professional liability—contact them with a submission for market options. Need help placing an account? Connect with a market specialist. ...

It’s personal—and it’s serious. Professional Liability Insurance is essential for your clients who provide advice, services, or expertise to others. Often misunderstood or overlooked, this coverage becomes a top priority once your clients realize what’s truly at stake: their firm’s reputation, their employees’ livelihoods, and significant legal defense costs—even when a claim is baseless. Insential, Inc. offers access to a wide range of Professional Liability markets and understands the nuances involved in placing this sensitive coverage. As an experienced Excess & Surplus Lines Broker, Insential helps agents confidently assess exposures, identify potential gaps, and tailor coverage to meet the specific professional risks your clients face. Ideal Accounts and Appetite Insential provides solutions for a broad spectrum of professional classes, including but not limited to: Accountants Interior Decorators Advertising Agencies Law Firms Architects & Engineers Payroll Processing Services Consultants Property Managers Counseling Services Real Estate Agents & Brokers Debt Collection Services Recruitment Consultants Employment Agencies Social Services Freight Forwarders Student Blanket Graphic Design Tax Preparation / Bookkeeper Healthcare Professionals Third Party Administrators Insurance Agents & Brokers Trustees Insurance Consultants Whether your client is a solo consultant or a growing professional services firm, Insential can help you secure the right coverage to protect them from potential financial devastation stemming from professional errors, omissions, or allegations of negligence. Coverage Highlights and Advantages This program doesn’t just provide indemnity—it helps prevent claims and manage risk. Many policies include access to legal resources such as contract reviews and educational tools. Key optional coverages include: Defense Outside the Limits Aggregate Deductible First Dollar Defense Personal Injury Sublimit Bodily Injury & Property Damage Sublimit Many clients mistakenly believe their General Liability or BOP covers professional exposure. Insential helps you close those gaps with solutions tailored to high-risk areas often excluded from standard policies. Underwriting Notes and Minimum Premiums Application requirements vary depending on the class of business. Some risks may require supplemental questionnaires or detailed loss history. Minimum premiums vary and depend heavily on the applicant’s industry, services offered, and claims history. You might have a client who runs a small architectural firm or a startup advertising agency—these are ideal fits for Insential’s program. Even if they’ve never had a claim, the exposure is real, and Insential can help you build the right solution. Territories and Availability Insential’s Professional Liability Insurance program is available on a non-admitted basis in most states, with some admitted markets available. Coverage is accessible in all 50 states plus DC, including major markets such as CA, TX, NY, and FL. Why Work With Insential Insential brings strong relationships with a variety of carriers and underwriters, helping agents place hard-to-insure or niche professional risks. Their team understands the complexity of professional exposures and offers valuable guidance to help you match your client with the right coverage form and structure. From initial quotes to risk management tools and claims coordination, Insential supports you every step of the way. Partner with them to protect your clients’ reputations—and your own. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals offering services or advice, including consultants, architects, law firms, real estate agents, and more. Is this Professional Liability coverage available in my state?Yes, Insential offers this program in all 50 states plus DC. Availability may vary between non-admitted and admitted markets. What coverage enhancements are available?Optional enhancements include Defense Outside the Limits, First Dollar Defense, Aggregate Deductibles, and sublimits for Bodily Injury and Personal Injury. How do I know if my client’s BOP or GL policy already covers these exposures?Most BOP or GL policies exclude professional services. Insential can help you review the existing coverage and identify potential gaps. What information is needed to get a quote?Depending on the class, you may need a completed application, details of services provided, prior claims history, and supplemental forms if applicable. Need help placing an account? Connect with a market specialist. ...

Overview — Architects and Engineers Professional Liability Insurance Ashley General Agency offers a focused Architects and Engineers Professional Liability Insurance program designed for independent agents and brokers who need a market for professional design and engineering exposures. This program combines errors & omissions protection with complementary coverages commonly requested by design professionals, and is underwritten through a variety of admitted and excess & surplus (E&S) markets depending on state availability and risk characteristics. What this program covers The Architects and Engineers Professional Liability Insurance program is built to address the common liability exposures design professionals face, including negligent design, construction management issues, engineering management errors, and pollution incidents tied to professional services. Core coverages available through the program include: Errors & Omissions (Professional Liability) Engineers Professional Liability Directors & Officers (D&O) Employment Practices Liability (EPLI) Environmental / Pollution liability (including incidents arising from professional services) General Liability and Umbrella/Excess options for environmental engineers Ideal accounts and appetite This program is a good fit for a broad range of architecture and engineering firms, including but not limited to: Small to mid-size architectural firms (commercial, residential, mixed-use) Civil, structural, mechanical, electrical, and environmental engineering firms Firms providing construction management, engineering management, or design-build services Environmental engineering consultants who require pollution incident coverage tied to professional services Typical accounts that fit: firms with stable claims histories, clear risk management procedures, and projects that are not unusually large-scale, highly speculative, or involving novel technologies. High-hazard projects, design-build projects with tight performance guarantees, or accounts with significant unresolved claims may require placement elsewhere or additional underwriting scrutiny. Coverage highlights and advantages Comprehensive professional liability wording tailored to architects and engineers. Ability to package D&O and EPLI with professional liability for broader enterprise protection. Environmental/pollution protection available for engineering firms that handle contaminated sites, remediation consulting, or services with pollution exposure. Flexible placement options — admitted paper where available; E&S placements through Ashley General Agency for non-standard or out-of-program risks. Access to multiple carriers and specialist underwriters to improve placement flexibility. Underwriting notes and minimums Underwriting focuses on firm size, practice areas, claims history, contract terms, and risk management controls. The program generally favors: Firms with professional staff records, formal quality control, and documented risk management practices. Projects that are routine for the firm’s stated expertise (not atypical or first-time large exposures). Minimum premium: $500. Limits, retentions, and final pricing will depend on the carrier selected and the individual exposure. Some coverages may be offered on an admitted basis in certain states and on a non-admitted/E&S basis where necessary. Territories and availability The program is available in select states. Ashley General Agency places business on an admitted basis in some states and on an E&S basis where admitted options are not available. Current targeted availability includes Texas; please check with Ashley General Agency for updated state availability. Why place this business with Ashley General Agency? Specialized MGA and E&S broker experience placing architects and engineers professional liability. Established relationships with multiple carrier partners to maximize placement options for difficult or mixed exposures. Practical, agent-focused underwriting and responsive service for quote and bind requests. Ability to bundle related coverages (D&O, EPLI, environmental) to provide broader, coordinated protection for design firms. Example accounts A five-person architectural firm focused on small commercial and multi-family residential projects seeking E&O coverage plus D&O for the principal owners. A mid-size civil engineering firm providing construction management and environmental consulting that needs professional liability with pollution incident coverage and umbrella limits. Contact us for more information on our Architects and Engineers Professional Liability Insurance program by calling 936-585-6442 Frequently Asked Questions What types of architect or engineer firms are a good fit for this program?The program targets small to mid-size architecture and engineering firms engaged in routine commercial, residential, civil, structural, mechanical, electrical, or environmental work. Firms with documented quality control and standard contract language typically receive the best terms. Is environmental/pollution liability available through this program?Yes. Pollution and environmental exposures arising from professional services can be included—particularly for environmental engineers and consultants. Coverage availability and terms depend on the scope of services and past loss history. Do you offer admitted paper or is this program only non-admitted?Ashley General Agency places business on admitted paper in certain states where carriers provide admitted options and uses E&S placements where admitted coverage is not available. Availability varies by state and carrier. What is the minimum premium and typical submission requirements?The program has a minimum premium of $500. Typical submission materials include an application, current A&E firm resume, five years of professional services loss history, and copies of standard engagement/contract language. 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. ...

Professional Liability / E&O Insurance Program from Superior Access Insurance Services, Inc. Superior Access Insurance Services, Inc. offers a comprehensive Professional Liability / Errors & Omissions (E&O) program tailored to help insurance agents and brokers place professional risks across a broad range of industries. This program is designed to protect professionals who provide specialized services or advice against claims of negligence, misrepresentation, or failure to deliver services as promised. Ideal Accounts and Target Industries Our Professional Liability / E&O program is flexible and built to accommodate a wide array of professional classes. Whether you’re working with established firms or startups, we can help you place coverage for: Technology service providers and IT consultants Business and management consultants Marketing and advertising professionals Health and beauty professionals, including spas and salons Creative industries such as graphic designers and media producers Real estate professionals, including agents and brokers Architects and engineers And many other professional services If you have a client who provides expert advice or professional services—whether it’s a freelance graphic designer launching their own studio or a small real estate brokerage expanding its team—this program can offer the liability protection they need. Coverage Highlights and Advantages Our E&O program provides protection against claims that result from professional mistakes, missed deadlines, or perceived service failures. Key features may include: Flexible policy structures to accommodate various professions Coverage for defense costs, even if a claim is groundless Options for prior acts coverage (subject to underwriting) Access to multiple carriers to match the right coverage with the right risk With access to a range of markets, we’re able to craft solutions that meet your clients’ specific needs while remaining competitive in price and scope of protection. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and coverage limits. Our underwriting team evaluates each submission on its own merits and aims to provide fast, responsive quotes. We work with both admitted and non-admitted markets, with most placements available on an admitted basis in many states. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and GA. We support agents and brokers nationwide, with underwriting support and carrier access across 49 states plus Washington, DC. Please reach out to confirm availability in your state or for a specific professional class. Why Work With Superior Access Insurance Services, Inc.? As a leading wholesale broker, Superior Access has the market relationships and underwriting insight to help you succeed in placing professional liability risks—no matter how niche or complex. We offer broad carrier access, competitive commissions, and fast turnaround times. Our team is here to support you from submission to bind. Contact us for more information on our Professional Liability / E&O program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals who provide advice or services, including tech consultants, real estate agents, architects, marketing firms, and more. Are both admitted and non-admitted options available?Yes, we offer access to both admitted and non-admitted markets, with most placements available on an admitted basis in many states. Is there a minimum premium requirement?Minimum premiums vary depending on the class of business, location, and risk profile. We evaluate each account individually to offer competitive terms. Can you provide coverage in all 50 states?This program is available in most states, including 49 states and Washington, DC. Please contact us to confirm availability in your state. What information is needed to get a quote?Basic submission requirements typically include a completed application, loss history, and details about the professional services offered. Contact us for submission guidelines. Need help placing an account? Connect with a market specialist. ...