Professional and management
Hedge Miscellaneous Professional Liability Supplemental
A fillable Hedge supplemental for miscellaneous professional liability and errors and omissions risks.
View form and fillable PDF →Class and coverage guide
Miscellaneous E&O for Architects & engineers.
Direct answer. Miscellaneous Professional Liability is included in Hedge's published target coverage for Architects & engineers under the line Architects & Engineers E&O, with a published target of $5M / $5M. The current public class status is review case by case. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Miscellaneous professional liability commonly addresses claims alleging negligent acts, errors, or omissions in the performance of professional services. The operative definition of professional services, exclusions, contractual exposure, and the insured's actual work matter more than the label on the business.
Class context. Design professionals, including residential architects and small AE firms. Structural reviewed individually.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- Discipline (architecture, civil, structural, MEP)
- Largest project last 5 years
- Annual revenue
- Loss history (claims-made for E&O)
Conditions that need closer review
- Structural engineering for hospitals / bridges
- Geotechnical investigation as primary
- Mid-rise condo design (> 5 stories)
- High-rise residential design
- Bridge / tunnel structural lead
- Stadium / arena design
Stronger starting profile
Controls and facts to surface.
- Residential + small commercial architects
- Civil engineering (sitework, surveying)
- Firms 5-25 employees
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 825
Professional and Specialty Insurance Applicant Section
The applicant section used with management, executive, and professional liability coverage sections. It organizes common applicant, ownership, financial, prior insurance, and claims facts before line-specific detail is added.
Read form guide →ACORD 832
Miscellaneous E&O Section
The miscellaneous E&O section used to describe professional services, client types, contracts, fees, qualifications, controls, prior insurance, and claims for a professional liability risk.
Read form guide →State detail
Published class-specific state notes.
CA / Review case by case
Architects & engineers in CA
Title-24 exposure individually rated for engineers.
Open state appetite →Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.