Coverage for Claims Tied to Your Work
Professional liability structured around how design and engineering firms practice.
When a client disputes the outcome of your work, the cost of responding is real regardless of merit. How a policy responds depends on how it is structured and what it excludes. We review that before making any recommendation.
Talk to UsCoverage Overview
Structured for the Way Professional Claims Arise
Defense Costs
Responds to legal costs of defending a covered claim. A claim without merit can still be costly.
Settlements and Judgments
Intended to respond up to the applicable limit where a covered claim results in a settlement or judgment.
Prior Acts Coverage
Many policies can include a retroactive date extending coverage back to a specified point. Worth reviewing in every placement discussion.
Disciplines We Work With
Built Around How These Firms Actually Practice
Architecture Firms
Design liability, specification disputes, and ADA compliance allegations are among the most common exposures.
Engineering Firms
Claims vary meaningfully by discipline. We review the specifics before structuring a recommendation.
Environmental and Technical Consultants
Standard policies frequently contain exclusions that limit response to the exact claims these firms face most often.
Any Firm That Provides Professional Services
If your firm produces designs, assessments, or recommendations others rely on, professional liability is worth reviewing.
Key Considerations
A Few Things Worth Reviewing
Policy Form and Covered Services
Policies vary in what triggers coverage and what exclusions apply. We review the form against your scope before any recommendation.
Retroactive Date
Transitioning carriers without reviewing this can create gaps for work already completed.
Limits and Retentions
Contract minimums are a reference point, not necessarily the right limit for your firm.
Exclusions
Pollution, cyber, and contractual liability are among the exclusions that can significantly affect how a policy responds.
Our Process
Deliberate at Every Step
Step 1
Understand Your Practice
What your firm does, how it contracts, and where claims have historically presented in similar firms.
Step 2
Review What You Have
We review your existing policy form, retroactive date, limits, retentions, and exclusions.
Step 3
Approach the Right Market
We approach carriers with direct experience in your discipline.
Worth Knowing
Questions That Come Up Often
Do I need Professional Liability if I already have General Liability?
GL and professional liability are structured to respond to different types of claims. GL is generally designed to address third-party bodily injury and property damage. Professional liability is intended to respond to claims arising from your professional services — errors, omissions, and advice. Most firms in the AEC space carry both. We review your specific situation before making any recommendation.
What happens when I change carriers?
Changing professional liability carriers requires a careful review of the retroactive date on the incoming policy. If it does not extend back far enough, prior work may not be covered. We review this specifically before recommending any transition.
What limit should I carry?
Limit selection depends on project profile, contract requirements, and the nature of your services. Contract minimums are a useful reference point but may not reflect your firm's specific exposure.
Often Paired With
What Firms Typically Review Together
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.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
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