Architects & Engineers Insurance Program
Innovative loss prevention and risk management strategies for architects, engineers and environmental consultants
Ryan Specialty National Programs is committed to providing innovative loss prevention and risk management strategies for retail insurance agents with architect, engineer and environmental consultant clients through access to our exclusive Architects & Engineers program. Program underwriters quote tailored coverage at superb rates.
Free financing available for insureds with premiums of $10,000 or more
Free Contract Review through two law firms with expertise in A&E
“800” Hotline for pre-claims assistance
Option for Defense Costs outside the Limits
Auto Renewal Endorsement for qualified firms
Contractor’s Pollution Liability included in form
Program Highlights
- Policies are quoted by Aspen American Insurance Company
- Minimum premium: $1,200
- Interest-free financing plans available to qualified firms
- Contractors Pollution Liability, Advertising Personal Injury and Network Security coverage
- First Dollar Defense option
- Specific Project Excess limits available
- ADA, FHA, OSHA legal expense reimbursement
- Worldwide coverage
- “Soft” Hammer provision
- Crisis Event and Peer Review expense reimbursement
- Automatic renewals available for qualified firms
- Choice of Counsel option
- Limits from $100,000 to $5,000,000
- Reduced deductible if claims are settled in mediation or with the successful use of a Limitation of Liability
- Focus on firms with billings up to $10,000,000, but larger considered on an individual risk basis
- Expanded quoting guidelines to include additional classes
Target Classes
- Construction Managers
- Civil / Structural Engineers
- Electrical / Mechanical / HVAC Engineers
- Landscaping / Golf Course Architects
- Surveyors
- Interior designers
- Non-licensed professionals- kitchen designers, lighting designers, specification writers, cost estimators, etc.
Coverage
- Professional Liability
- Contractors Pollution Liability
- Advertising Personal Injury
- “Soft” Hammer Clause
- Innocent Insured Protection
- Disciplinary Proceedings Reimbursement
- Crisis Event Reimbursement
- Peer Review Reimbursement
- Network Security Supplemental Payment of $100,000
- Coverage for reimbursement of legal fees of others under defined circumstances
- Defense outside the Limit option available
Submission Requirements
- Supplemental Application
- 5 Years currently valued Loss Runs
- Ability to accept a competitor’s application
The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. The operations described herein are conducted by RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty, LLC. RSG Specialty works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516). ©2023 Ryan Specialty, LLC
