Coverage for the Firms That Shape the Built Environment
Structured around how design professionals practice, contract, and carry risk.
Design professionals produce work that others build from and depend on. When that work is questioned, the resulting claim lands on the firm that produced it.
The exposure profile of a design professional is distinct. We work exclusively within this community because that depth produces more informed placement decisions than a generalist approach.
Disciplines We Serve
Built Around Your Discipline
Each discipline below has its own page with coverage considerations specific to how those firms practice and carry risk. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
Architects
Design liability, specification disputes, and ADA compliance allegations are among the most common exposures. Coverage structured around your scope of services and contracts.
Civil Engineers
Infrastructure design and site development carry technical liability tied to calculations and performance specifications. Exposure varies by project type and contract structure.
Structural Engineers
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
MEP Engineers
System performance, energy compliance, and coordination claims vary by discipline. Each carries its own exposure profile worth reviewing specifically.
Interior Designers
FF&E specifications, code compliance disputes, and contractor coordination claims are not addressed by standard business insurance. Worth reviewing as part of a complete program.
Landscape Architects
Grading, drainage, and site safety claims are professional exposures general liability policies are typically not designed to address.
Urban Planners
Professional exposure tied to regulatory advice and zoning recommendations that clients rely on for significant financial commitments.
Fire Protection Engineers
Life safety claims tied to system design, code compliance, and suppression performance carry serious consequences
Building Envelope Consultants
Water intrusion and facade-related claims are among the more complex in professional liability. Requires carriers familiar with how these engagements are structured.
Lighting Designers
Energy compliance, aesthetic disputes, and specification claims. Requires carriers that understand how lighting design work is delivered and contracted.
Acoustic Consultants
Noise performance disputes and design recommendation challenges. Coverage structured around the professional nature of that work.
Permit Expeditors
Delays, missed deadlines, and regulatory missteps can create real financial consequences for clients and professional liability claims for the consultant responsible.
Worth Understanding
Before You Review Your Program
The most common gap in design professional programs is coverage that does not reflect how the firm actually practices. A professional liability policy that excludes certain project types, GL limits that do not meet contract requirements, a cyber policy with sublimits too low to matter.
These gaps do not surface at renewal. They surface at claim time.
Our Coverage Stack
Coverage Considered Across Every Layer
Coverage structured around your discipline and how your firm operates. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Professional Liability
Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
The Process
How We Approach It
Step 1
Understand Your Discipline
What you design, how you contract, and where professional liability considerations tend to surface in firms doing similar work.
Step 2
Review What You Have
Existing policies reviewed against your actual operations. Limits, exclusions, retroactive dates, and anything else worth addressing before a recommendation is made.
Step 3
Structure the Right Program
Coverage considered around your discipline and contracts. You will know what each policy is designed to address and what it excludes before anything is placed.
What Our Clients Say
Trusted by Architects, Engineers and Design Professionals
Over 275+ reviews from firms across the design and construction industry. Clients often mention responsiveness, clear communication, and help making insurance easier to understand.
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