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Architects & Engineers E&O

Professional liability for design errors, omissions, and negligence on projects you design, review, or certify.

Who Needs It

  • Architects and interior designers
  • Civil, structural, MEP, and geotechnical engineers
  • Surveyors and design-build firms

What It Covers

  • Claims for design errors and omissions
  • Defense costs
  • Pre-claims assistance
  • Project-specific policies for large jobs
  • Contractual liability for design services where insurable

What It Does Not Cover

  • Bodily injury and property damage from your operations (GL)
  • Cost guarantees and express warranties
  • Pollution unless endorsed
  • Work for entities you own without disclosure

Texas Notes

Texas Certificate of Merit rules require an expert affidavit to sue design professionals, which limits frivolous claims but not defense cost.

Florida Notes

Florida's construction-defect statute (Ch. 558) brings design professionals into defect claims years after completion.

Architects & Engineers E&O Questions We Hear Most

Is A&E E&O claims-made?

Almost always. Maintain continuous coverage and a retroactive date back to your first project; a gap loses prior-acts coverage.

Does a prior claim mean I can't get coverage?

Rarely. Carriers price and underwrite on frequency and severity over three to five years. One closed claim usually narrows the market slightly; a pattern narrows it a lot. Tell us everything up front; an undisclosed claim found at binding is worse than a disclosed one.

Related Coverage Guides

General Contractor & Construction Insurance Consultants E&O (Professional Liability)

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This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.