Architects & Engineers
Professional Liability Insurance for Architects & Engineers (A&E)
Status: Licensed in all 50 States | Experts in Admitted & Non-Admitted Markets
Multiple A rated Admitted and Non-Admitted Carriers.
Madrona Insurance Services provides Errors & Omissions (E&O) coverage specifically designed for architects, engineers, and design professionals.
We offer access to A-rated financial markets to ensure your firm is protected against the unique risks of the design and construction industry.
In the modern design environment, professional services are exposed to significant financial and legal liabilities. Our policies are built to mitigate:
- Professional Negligence: Protection against allegations that design work failed to meet the industry “Standard of Care,” resulting in structural issues or financial loss.
- Contractual Liability: Ensuring your coverage meets the specific indemnification requirements found in RFPs and client agreements.
- Project Delays: Coverage for lawsuits arising from errors in blueprints or late specifications
Target markets
• Architects
• Landscape architects
• Mechanical engineers
• Electrical engineers
• Civil engineers
• Structural engineers
• Surveyors
Program highlights
• Availability: In all 50 states, D.C. and U.S. territories
• Minimum Premium: $1,000
• Limit: Up to $20 million
• Coverage: Admitted with an A Rated carrier (non-admitted capacity available as needed)
• Free continuing education courses and risk advisory resources for policyholders
Coverage
• One of the broadest professional liability forms in the industry
• International coverage
• $0 deductible options for eligible firms Max $500,000 Revenue
• Defense costs outside the limits available Max $1MM Revenue
• Broad coverage for pollution, asbestos and equity interests
• ERP death or disability coverage for no additional charge
• Rectification expense coverage for a design defect caused by professional services
• No hammer clause
Target markets
• Architects • Landscape architects
• Mechanical engineers • Electrical engineers
• Civil engineers • Structural engineers
• Surveyors
Best-in-Class Policy Features Through our strategic partnerships with top-tier carriers—including
TreuStage, Travelers, and Admiral, Victor—
we provide comprehensive coverage enhancements:
Rectification Expense Covers costs to fix design defects discovered during construction to prevent future third-party litigation.
Pollution Liability Protection for professional errors that lead to environmental or pollution events on-site.
Drone Liability Specialized coverage for firms utilizing UAVs for site surveys and inspections.
Cyber & Media Comprehensive 1st and 3rd party protection for digital blueprints and sensitive data.
License Defense Reimbursement for legal costs incurred while defending your professional license in regulatory hearings.
No Hammer Clause Provides the insured with greater control over settlement decisions vs. continued legal defense.
One of the broadest professional liability forms in the industry
• International coverage
• Multi-year policies available for eligible firms with annual revenue up to $1M
• $0 deductible options for eligible firms with annual revenue up to $500,000• Defense costs outside the limits of liability available for eligible firms with annual revenue up to $1M
• Broad coverage for pollution, asbestos and equity interests
• ERP death or disability coverage for no additional charge
• Rectification expense coverage for a design defect caused by professional services
• No hammer clause
Submission & Eligibility Requirements
To secure an accurate quote from our A-rated carriers, firms should prepare the following documentation:
Signed A&E Application: Must be fully completed and signed by a firm principal.
5-Year Loss Runs: Currently valued within the last 90 days.
Claims Circumstance Report: A detailed narrative for any losses recorded in the last five years.
Project List: A summary of the largest active projects by billings or construction value.
Current Policy Documentation: Including Declarations pages and any specialized endorsements.
Contract Samples: Standard agreements used with clients and sub-consultants. Type your paragraph here
Click here for an Application
1 Application, multiple quote- Save up to 20% with better coverage.
As an independent agency, Madrona Insurance Services shops your specific risk profile across multiple markets to find the most competitive and comprehensive coverage available.
Contact us or visit our application portal to begin the process.