Architects, Engineers, & Contractors

Flexible, modern professional liability coverage designed for architects, engineers, construction managers, and specialty contractors as they navigate complex projects and an evolving landscape.

A look at the numbers

53%

Of A&E insurers experienced higher claim severity in 2024 compared to 2023.*

82%

Of A&E insurers reported paying a claim between $1M and $4.9M in 2024.*

71%

Of A&E insurers plan to increase rates, citing inflation, higher-risk project types, and rising claim costs.*

*Insurance Journal

Built for small businesses

Thousands of small businesses use Counterpart’s insurance product offerings and risk management services to manage some of their most complicated risks

Architect

Example

Architect

State:

Florida

Limit:

$1,000,000

Retention:

$5,000

Premium:

$6,243

General Contractor

Example

General Contractor

State:

Georgia

Limit:

$2,000,000

Retention:

$25,000

Premium:

$24,750

Electrical Engineer

Example

Electrical Engineer

State:

Arizona

Limit:

$1,000,000

Retention:

$2,500

Premium:

$2,000

HVAC Contractor

Example

HVAC Contractor

State:

Ohio

Limit:

$2,000,000

Retention:

$10,000

Premium:

$8,444

MEP Engineer

Example

MEP Engineer

State:

Illinois

Limit:

$1,000,000

Retention:

$5,000

Premium:

$6,712

General Contractor & In-House Architect

Example

General Contractor & In-House Architect

State:

New York

Limit:

$3,000,000

Retention:

$25,000

Premium:

$38,652

Agency Construction Manager

Example

Agency Construction Manager

State:

Texas

Limit:

$1,000,000

Retention:

$5,000

Premium:

$3,778

Broad appetite

Architects, Engineers, and Construction professionals across all 50 states

State:

Limit:

Retention:

Premium:

What is covered?

Modular Coverage

Flexible limits up to $5,000,000 / $10,000,000

Professional Liability

Coverage for professional and contracting services, including contingent bodily injury, property damage, and pollution

Sexual Abuse & Physical Misconduct

Flexible limits up to $2,000,000 / $4,000,000

Technology Based Services and Products

Protection for claims arising from the use of AI-enabled services, BIM modeling, and technology-driven design and construction services

Pollution Liability

Coverage arising out of professional and contracting services, including emergency clean-up, first-party remediation, and third-party disposal

Additional Features

Includes protective indemnity, rectification expenses, faulty workmanship coverage, drone liability, and blanket additional insureds

+ Much more

And dozens of other coverages that are designed to help design and construction professionals manage their liability

Claims Examples

Faulty Workmanship

Cost: $300,000–$800,000

Time to resolve:

18–30 months

Example

A general contractor followed design specifications provided by its in-house project management team when overseeing concrete work on a commercial building. After completion, cracking and water intrusion were discovered due to improper installation and oversight. The owner alleged the damages arose from professional services rather than construction labor alone and sought recovery for repair costs. Coverage responded to defend the contractor and address remediation expenses.

Rectification Expenses

Cost: $250,000–$600,000

Time to resolve:

9–15 months

Example

A civil engineering firm identified an error in drainage calculations for a commercial development after construction had begun. The mistake required redesign and corrective work to prevent future flooding and code violations. The project owner sought reimbursement for remediation costs. Coverage responded to fund rectification expenses and mitigate further loss.

Technology-Based Services

Cost: $200,000–$450,000

Time to resolve:

12–24 months

Example

An engineering firm relied on building information modeling (BIM) software to coordinate mechanical and electrical systems on a large project. Inadvertently inaccurate data entry by the firm fed a modeling error, causing conflicts that were not discovered until installation, resulting in delays and redesign costs. The client alleged professional negligence related to the firm’s technology-enabled services. Coverage responded to defend the firm and resolve the claim.

Faulty Workmanship

Cost: $300,000–$800,000

Time to resolve:

18–30 months

Example

A general contractor followed design specifications provided by its in-house project management team when overseeing concrete work on a commercial building. After completion, cracking and water intrusion were discovered due to improper installation and oversight. The owner alleged the damages arose from professional services rather than construction labor alone and sought recovery for repair costs. Coverage responded to defend the contractor and address remediation expenses.

Rectification Expenses

Cost: $250,000–$600,000

Time to resolve:

9–15 months

Example

A civil engineering firm identified an error in drainage calculations for a commercial development after construction had begun. The mistake required redesign and corrective work to prevent future flooding and code violations. The project owner sought reimbursement for remediation costs. Coverage responded to fund rectification expenses and mitigate further loss.

Technology-Based Services

Cost: $200,000–$450,000

Time to resolve:

12–24 months

Example

An engineering firm relied on building information modeling (BIM) software to coordinate mechanical and electrical systems on a large project. Inadvertently inaccurate data entry by the firm fed a modeling error, causing conflicts that were not discovered until installation, resulting in delays and redesign costs. The client alleged professional negligence related to the firm’s technology-enabled services. Coverage responded to defend the firm and resolve the claim.

Faulty Workmanship

Cost: $300,000–$800,000

Time to resolve:

18–30 months

Example

A general contractor followed design specifications provided by its in-house project management team when overseeing concrete work on a commercial building. After completion, cracking and water intrusion were discovered due to improper installation and oversight. The owner alleged the damages arose from professional services rather than construction labor alone and sought recovery for repair costs. Coverage responded to defend the contractor and address remediation expenses.

Each claim is unique and requires review of your policy terms and conditions to determine whether the claim is covered under your unique policy terms and conditions.

How we’re different

Others

Modular Forms

Quote multiple limits, retentions, and coverage options across all coverages

Others

AM Best rating of A (Excellent)

Underwritten by industry leaders with one of the strongest credit ratings from AM Best

Others

?

AM Best rating of A XV (Excellent)*

Underwritten by industry leaders with one of the strongest credit ratings from AM Best

Others

?

Agentic Underwriting™

Get support from underwriters with over 120 years of collective experience

Others

?

Agentic Claims Management™

Our in-house experts resolve claims faster, reduce friction, and keep businesses moving forward

Others

?

Agentic Risk Mitigation™

Access HR experts, employment attorneys, and proactive risk management tools to address professional service issues before they become liabilities

Others

?

Multi-channel support

Get a quote in minutes, any where, and on any device via email, digital application, or API

Others

?

We’re behind you

Nick Rotondo is the product leader behind Counterpart’s Architects, Engineers, and Construction Professionals Liability. With more than 12 years of professional liability underwriting experience, including senior national product leadership roles focused on A&E and construction risk, Nick has spent his career evaluating how design and construction exposures play out across real projects, contracts, and claims. His experience informs coverage that is thoughtfully structured, technically sound, and built to support brokers and insureds navigating today’s complex project environments.

Nick Rotondo

Director, Professional Liability (MPL, A&E)

Other products

Professional & General Liability

Protect the company from professional mistakes and unmet agreements with comprehensive liability coverage.

Private Directors & Officers

Protect the company's assets and key management.

Woman standing in doorway with arms folded

Employment Practices

Protect against employment-related lawsuits.

Small business owner with insurance confidently meeting with customers