What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Professional Liability / E&O · Calculator, Comparison & Guide

Architects & Engineers Insurance: Calculator, Comparison Table & Guide

Rated on billings, discipline, and project types. Structural and geotechnical run highest.

1. Calculator
2. Comparison
3. Guide
FAQ

Prong 1 · Interactive Calculator

A&E Professional Liability Estimator

Rated on billings, discipline, and project types. Structural and geotechnical run highest.

Annual gross billings ($)

Primary discipline

Residential condo / multifamily share of billings (%)

Construction management / design-build share (%)

Limit

Deductible

Results
Line	Estimate
Base premium ($1M)	—
Condo/multifamily factorCondo work is the leading source of A&E claims.	—
CM / design-build factor	—
Estimated A&E professional liability	—
As % of billings	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

A&E Policy Features Compared

Base form vs. enhanced A&E form vs. project-specific.

Criterion	Standard Practice Policy	Enhanced A&E Form	Project-Specific Policy
Contractual liability (negligence-based)	Included	Included	Included
Pollution (design-related)	Excluded	Included	Optional
Pre-claim assistance (outside limits)	Excluded	Included	Included
Defense outside limits	Excluded	Optional	Included
Mediation credit	Excluded	Included	Excluded
Rectification / mitigation coverage	Excluded	Optional	Optional
Dedicated limit to one project	Excluded	Excluded	Included
Best fit	Small firms	Most firms	Large or high-risk projects

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Architects & Engineers Professional Liability: A Design Firm's Guide

Standard of care, contractual traps, and why your PL limit should match your worst project, not your typical one.

Standard of care

PL covers negligence — failure to meet the standard of a reasonably prudent design professional. It does not cover guarantees or warranties.

Strike 'highest standard' and 'warrant' from contracts
Use AIA or EJCDC language
Limitation-of-liability clauses are enforceable in Texas

Certifications and indemnity

Owners and lenders ask you to 'certify' — a word carriers hate.

Replace 'certify' with 'to the best of my knowledge'
Indemnity only for negligence, never 'arising out of'
Texas Ch. 130 (CPRC) voids broad indemnity in A&E contracts

Project-specific and OPPI

For a single large project, a project policy dedicates a limit that your practice policy can't erode.

Owner's Protective Professional Indemnity for owners
Project policies run 1%–3% of design fees

Frequently Asked Questions

Occurrence or claims-made?

A&E is virtually always claims-made. Maintain continuous coverage and a retro date at inception.

Do I need coverage after I close the firm?

Yes — an extended reporting period, ideally matching the Texas 10-year statute of repose.

What about construction observation?

Covered as a professional service, but clarify that you don't control means and methods; that's the contractor's GL.

Related: architect professional liability · engineer E&O · A&E insurance Texas · design professional

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The Smart Intake takes about two minutes. A licensed advisor reviews your architects & engineers exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.