Design Professionals (AE&S)

A proven program team with a deep design industry expertise!

Design Professionals Program

Specialized Insurance for Design Professionals

Architectural, engineering, and surveying firms have wide-ranging property and casualty insurance needs that go beyond common exposures. The Breckenridge AE&S underwriting team delivers two decades of underwriting experience for these design professionals as a trusted partner with a top-rated, admitted carrier.

With in-house authority to offer up to $10 million in general liability and wide-ranging coverages from business auto to property, inland marine, umbrella and workers’ compensation, we are committed to safeguarding these design firms. Our team can tailor the right approach for those clients with more intricate risks while addressing the diverse insurance regulations of various states.

FAQs & Certificate of Insurance Checklist

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Retail Agents: Don’t see a fit for your risk in this program?
Check out our brokerage options here.

Experienced Underwriting Team
Capable of addressing a wide range of different insurance issues that each state may present, including unique contractual and certificate requirements.

Responsive Claim Services
Accessible 24/7 and digitally enabled, your clients’ claims will be expedited by adjusters who are well-versed with the products and forms pertinent to architects, engineers, and surveyor to help customers improve their “return to work” performance and lower their workers compensation costs.

Risk control
To help clients reduce their risk, protect their property and save lives, they will gain access to an industry-leading Risk Control Customer Portal housing vast safety resources specifically designed for architects, engineers and surveyors to address their unique risk management needs from property protection, risk transfer, sub-consultant management, to fleet safety and more.

Our program offers coverage for small to large size businesses nationwide and is designed for businesses that already carry adequate professional liability limits and have no construction operations spanning:

Architects

Landscape architects
Building/space-planning architects
Interior designers

Engineers

Civil engineers
Structural engineers
Mechanical engineers
Electrical engineers
Forensic engineers
Soil/geotechnical engineers
Structural engineers

Surveyors

Land surveyors
Arial surveyors
Geological surveyor
Hydrographic surveyor
Topographic surveyor
Underground utility locating service
Urban/rural planners

Other

Control System Integrator
Construction management firms
Some classes of environmental consultants

General Liability

Architects, engineers and surveyors’ endorsements offers many broadened coverages
Additional insured endorsement with coverage on a primary, non-contributory basis, including Waiver of Subrogation, when required by contract or agreement
Commercial umbrella coverage with higher limit options available

Property

Architects, engineers, and surveyors’ property endorsement
Valuable papers and records, and fine arts including architectural models – $100,000 included
Electronic data processing (EDP) included in the business personal property limit
Identity fraud expense coverage – only in a handful of states
Business income valuation on either actual loss sustained or billable hours basis
Inland Marine – full replacement cost for equipment

Business Auto

Employee-hired Auto
Auto Physical Damage
Roadside Assistance
Blanket Waiver of Subrogation Available
Auto Coverage Plus Endorsement Available:
- Blanket Additional Insured
- Hired Auto Physical Damage
- Waiver of Deductible – Glass – in some states
- Auto Loan Lease Gap Coverage

Workers’ Compensation

Workers’ compensation and employers’ liability coverage
Waiver of subrogation available

Umbrella

Up to $10M limits
Worldwide coverage territory

Account Questionnaire
Professional Liability Application
ACORD Form
5 years’ loss runs or going back to start of business
Target premiums are helpful

Features