Why Clients Choose Us
Policies We Provide
We take time to understand your firm, advocate for you with underwriters, and stay involved long after the policy binds.
Coverage Details
Types of Insurance
You design the spaces, systems, and structures people depend on. We help protect your firm from the professional, contractual, and project risks that come with complex design work.
Professional Liability (PLI) & (E&O)
Professional Liability Insurance, also known as Errors and Omissions Insurance, is protection for you and your business from claims of negligence related to your professional services. Our focus is on E&O for architects, engineers, land surveyors, construction managers, and environmental consultants.
Business Owners Package Policy (BOP)
BOP policies combine several types of Property Casualty coverage into one package. It includes general liability protection, property coverage including coverage for equipment and contents, business interruption coverage and a number of additional coverages and coverage extensions tailored for design professionals.
Workers' Compensation
Worker’s compensation insurance is a legally required insurance for all business with employees to cover employees for workplace injuries & illness. Worker’s Compensation covers medical expenses, temporary total disability, permanent (partial or total) disability and a death benefit.
Commercial Auto Insurance
Commercial auto insurance is for vehicles owned by your business and covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident. Any vehicle that is provided to employees for their regular use should be owned by the business and covered by a commercial auto policy.
Cyber Liability/Data Breach
Cyber liability insurance can pay for expenses to cover loss of digital assets, non-physical business interruption, extra expense, cyber extortion, cyber terrorism, and security event crisis coverage. It also provides you with protection from your clients and employees with network security and privacy liability, employee privacy liability, and electronic media liability coverage.
Frequently asked questions
Straight answers for busy principals
Professional Liability
Quotes & Applications
Coverage & Contracts
Certificates & Claims
What does professional liability insurance cover?
It covers claims alleging negligent acts, errors, or omissions in your professional services — including defense costs, which are often the largest expense even when the claim has no merit.
How much coverage does my firm need?
It depends on your disciplines, project types, contract requirements, and revenue. We benchmark your limits against similar firms and the contracts you actually sign.
What is “claims-made” coverage and why does it matter?
A&E professional liability is written on a claims-made basis: the policy in force when the claim is made responds, not the one in force when the work was done. Continuous coverage — without gaps — is essential.
Do I still need coverage after retiring or closing the firm?
Usually yes. Claims can surface years after project completion. Extended reporting (“tail”) options protect you after the practice winds down. We can walk you through them.
How do I get a quote?
Term insurance is a simple and affordable life cover plan. You pay a fixed premium for a chosen period, andSubmit our online application. We take it from there — presenting your firm to the carriers whose appetite matches your profile.if anything happens during the term, your family receives a lump sum. It’s designed to protect your loved ones financially at a low cost.
What information will I need?
Basics about your firm: disciplines, revenue by project type, staff count, largest projects, and claims history. Most firms complete the application in under 30 minutes.
How long until I see options?
Straightforward risks often quote within days. Complex or larger firms take longer because we push carriers for enhancements — we’ll set expectations up front
A client’s contract requires specific insurance. Can you help?
Yes. Send us the insurance requirements before you sign. We’ll confirm your policies comply or tell you exactly what needs to change — and what it will cost.
What other coverage do design firms typically carry?
Beyond professional liability: general liability, a business owners policy, business auto, workers’ compensation, cyber, employment practices, and D&O. We’ll tell you which apply to your firm
Does my firm really need cyber coverage?
If you hold client data, project files, or wire funds, yes. Design firms are frequent targets for funds-transfer fraud, and standard policies exclude most of it.
Can coverage grow with my firm?
Yes. Limits, disciplines, and endorsements are adjusted at renewal — or mid-term when a project demands it. Tell us what’s changing and we’ll keep coverage aligned.
How fast can I get a certificate of insurance?
Instantly. Certificates are available 24/7 — no waiting on a service desk while a project sits on hold.
What should I do if I receive a claim or a demand letter?
Contact us immediately and report it to the carrier before responding. Late reporting can jeopardize coverage. We’ll help you through every step.
Should I report a potential problem before it becomes a claim?
Often, yes. Reporting a circumstance to the current policy can preserve coverage even if the claim arrives years later. When in doubt, call us — the conversation is free.
Will a claim make my firm uninsurable?
Rarely. Carriers expect claims in this profession. What matters is how the claim was handled and what the firm changed afterward — a story we help you tell.
