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Architects and Engineers

Architects, engineers and other design professionals face unique liabilities that can put them at financial risk because of the type of services they deliver. These professionals must use a practical understanding of structures and materials while also employing creativity to create something that is aesthetically pleasing, as well as structurally sound. This policy addresses allegations of negligence against firms in their performance of professional services and can cover pollution incident liability.

Target professionals

  • Residential and commercial architects
  • Landscape Architects
  • Civil, Electrical, Mechanical, Structural, Telecommunications Engineers
  • HVAC Engineers
  • Forensic engineers
  • Interior Designers
  • Land Surveyors
  • Urban Planners, Land Planners

Coverage details and options

  • Admitted and non-admitted paper
  • Pollution legal incident liability
  • Network security and privacy liability coverage (optional)
  • Supplemental reimbursement coverage for disciplinary and ADA/OSHA/FFHA proceedings
  • Design/build coverage available
  • Mediation deductible credit
  • Project policy excess coverage by endorsement within the practice policy
  • Defense outside the limit
  • First dollar defense
  • Project specific policy
  • Subpoena assistance
  • Appearance at hearings
  • Online risk management resource center
  • Contract review services
  • Pre-claim assistance
  • GL may be packaged with professional

Coverage details and options

  • Limits of $250,000/$250,000 Each Claim/Annual Aggregate up to $5,000,000/$5,000,000 Each Claim/Annual Aggregate
  • Excess A&E limits available for accounts requiring higher limits
  • Deductibles start at $1,000 for small firms and $2,500 for other firms
  • Deductibles available start at $2,500 and go up to $100,000. Standard policy form includes a Single Annual Aggregate Deductible provision. Each Claim and Split Deductibles options are also available along with First Dollar

A&E professional liability is usually provided to a firm on an annual basis with a policy called a practice policy. The term “practice policy” is used because it covers an architect’s and engineer’s entire practice. Coverage is sometimes provided on a project basis rather that a firm or practice basis. Project coverage typically provides professional liability coverage to all professionals working on a particular project for claims arising from that project. Note that some practice policies have an exclusion for claims that are covered under a project policy.


Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.

800.635.4742, ext 98302

houstonsubmissions@rtspecialty.com