Claims-made coverage, retroactive dates, prior acts, project policies, excess layers, and extended reporting require continuity planning.
Professional and Cyber
Architects and Engineers Professional Liability.
Discipline, project type, contract, and subconsultant control matter more than the firm's headcount.
Architects and engineers professional liability can respond to covered claims arising from negligent professional services. Discipline mix, project types, construction values, delivery methods, contracts, subconsultants, quality control, claims, retroactive dates, and higher-hazard work drive the placement.
Placement context
Facts to confirm before applying.
A design firm should be described through its projects, not its website. Break down disciplines, construction values, delivery methods, client types, geographies, and subconsulted work. Then send the contracts that create the responsibility. The underwriter is pricing design consequence over time.
Coverage scope
What the coverage may address.
Contractual indemnity, warranties, guarantees, standard of care, and defense obligations can exceed ordinary negligence exposure.
Pollution, cyber, design-build, construction management, joint ventures, and subconsultants may need coordinated treatment.
Placement factors
Facts that affect placement.
- Structural, geotechnical, civil, environmental, or other higher-severity disciplines
- Large projects, design-build, delegated design, construction management, or difficult delivery methods
- Adverse claims, contract terms, international work, or project-specific limits
- New firms, acquisitions, joint ventures, predecessor work, or complicated prior acts
Coverage and access are separate questions
Coverage guidance does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
Submission preparation
Prepare a consistent underwriting file.
Account narrative
Build the file around the firm's professional consequence: disciplines, projects, contracts, subconsultants, quality control, claim history, and the exact prior work the policy must protect.
Include these facts
- Revenue by discipline, service, project type, client, geography, and delivery method
- Largest current and completed projects with construction values and scope
- Representative contracts, subconsultant agreements, quality procedures, and peer review
- Claims, circumstances, prior policies, retroactive dates, acquisitions, and requested limits
Resolve these questions before market review
- Which discipline and project can produce the largest downstream loss?
- What work is delegated and how are subconsultants selected and insured?
- Which contract terms change the ordinary standard of care?
- What prior entity, project, claim, or circumstance must be carried forward?
Submission errors
Avoid these three issues.
- Combining all design revenue without discipline and project-type splits
- Submitting certificates for subconsultants without agreements and selection controls
- Ignoring design-build, construction management, joint venture, or predecessor work
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Miscellaneous Professional Liability Supplemental
A fillable Hedge supplemental for miscellaneous professional liability and errors and omissions risks.
Read and downloadHedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Architects & engineers
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
General contractors
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Full active appointment appetite
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Review related exposures.
Professional and Cyber
Miscellaneous Professional Liability
The insured's promise is the exposure. Define the service before trying to insure the mistake.
Open coverageEnvironmental and Specialty
Environmental and Pollution Liability
Pollution can come from the site, the work, the product, the waste stream, or the trip between them.
Open coverageProperty and Package
Builders Risk
The building changes every day. The submission has to explain what exists now and what will exist at completion.
Open coverageHedge review
Send the account for review.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.