← All industries
Professional services

Architects & engineers

Architecture and engineering firms providing design and technical services.

Why it needs cover

The exposure

Design errors carry high-severity professional-liability exposure (structural failures, code issues, cost overruns); GL covers site visits and premises risk.

What we place

Coverages this class usually needs

Professional liability / E&OOften (contract/license)
Design errors and negligenceCore design exposure
General liabilityOften (contract)
Site-visit/premises injuryField presence
Workers' compensationRequired (with employees)
Staff injuriesOffice/field staff
CyberOptional
Client/project data breachDigital design files
What it costs

National benchmark premiums

Rated on: Firm revenue and project type

General liability
architects $33/mo; engineers $38/mo
Professional liability / E&O
architects $141/mo; engineers $168/mo ($2,010/yr)
Workers' comp
architects WC averages ~$50/mo
Total annual (typical)
roughly $2,500-$5,000/yr for a small A&E firm

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (via NerdWallet, QuoteSweep).

When it goes E&S

Where this risk gets hard to place

Structural, geotechnical, and large-project design plus claims history frequently move A&E professional liability to specialty/E&S markets.

Contact

Talk to us about Architects & engineers.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.