What We Cover
Coverage Across Every Layer of Your Risk
Structured around your scope of work, contract requirements, and exposure profile.
Two firms can do similar work and carry very different risk profiles. Before anything is placed, we review your contracts, your project types, and your discipline. That review is the foundation of every recommendation we make.
Talk to UsOur 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.
Commercial Auto
For vehicles owned, leased, or used by the business.
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.
Project Specific Professional Liability
A standalone policy covering one project under its own limit, separate from your annual program.
Builders Risk
Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
Environmental Liability
Helps respond to certain claims involving pollution, contamination, mold, indoor air quality, or environmental conditions.
Risk Management
Helps respond to certain claims involving pollution, contamination, mold, indoor air quality, or environmental conditions.
Contractors Professional Liability
Helps address professional services exposure for contractors, including standalone consulting, design coordination, and design-build work
The Process
How We Approach It
From initial conversation to structured recommendation, every step is deliberate.
Step 1
Tell Us About Your Firm
What you do, the projects you take on, and how your team is structured.
Step 2
We Review Your Exposure
Your contracts, current coverage, and where risk tends to surface in firms like yours.
Step 3
You Get a Recommendation
Built around your discipline and operations. You will know what the policy addresses 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.
Who We Work With
Focused on AEC and Specialized Disciplines
Architects, engineers, contractors, environmental consultants, surveyors, and the specialized disciplines alongside them. That focus means the questions we ask are more informed and the gaps in a program are less likely to go unaddressed.
Worth Knowing
Questions That Come Up Often
Do I need Professional Liability if I already have General Liability?
GL is generally intended to address third-party bodily injury and property damage. Professional liability is designed for claims tied to professional services. Most AEC firms carry both depending on their operations.
How do I know if my current coverage is sufficient?
Coverage is generally evaluated based on your operations, contracts, and exposure profile. Policy limits, exclusions, and how coverages interact all factor into whether a program aligns with your risk.
What affects the cost of insurance?
Cost is generally based on services, revenue, claims history, and project types. Carrier underwriting guidelines also influence pricing and availability.
Start the Conversation
Want to See How Your Program Holds Up?
Tell us about your firm and the work you take on. We'll take a look and share what we find.