Commercial industry
Engineering and Architecture Insurance
Design firms buy professional liability before they buy anything else. A missed code issue, a coordination error, or a specification that fails in the field is a claims-made E&O fact pattern. The office package, cyber on drawing files, and hired/non-owned auto for site visits are the supporting cast.
We place small and mid-size architecture and engineering firms. If you also construct, you are design-build — contractors E&O and GL completed operations join the file. Project-specific professional policies are available when an owner requires them.
Risks we actually schedule
- A design-error claim years after substantial completion — why the retro date matters.
- A client or contractor alleging your spec caused extra cost or a failure.
- A breach of drawing files or a spoofed-wire on a consultant invoice.
- Site-visit auto and premises claims a office policy never followed.
Frequently asked questions
Can we use a miscellaneous E&O form instead of an architects and engineers form?
Not if you stamp drawings. Design professional liability is its own market. Miscellaneous E&O is for consultants who do not stamp.
What happens if we change carriers?
Keep the retroactive date. Resetting it to today orphans prior work. We treat continuity as a non-negotiable.
The owner wants a project policy. Can you place that?
Often, for a defined scope and term. Send the professional-services agreement and the project values.
Related coverage, industries, and locations
Professional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsProfessional Consulting
Miscellaneous professional liability, cyber, and a office package for firms whose product is advice.
Industry pageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageIT and Computer Services
Technology E&O, cyber, and a package for shops that implement, support, and sometimes host.
Industry pageTexas
Licensed commercial insurance broker serving Texas.
State page