Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures Architects and engineers with claims?

Architects and engineers with claims is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write Architects and engineers with claims: Burns & Wilcox, Kinsale Insurance. 1 wholesaler, 1 E&S carrier. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Burns & Wilcox
Wholesaler		Professional liability for design professionals (architects and engineers) plus pre-claims assistance; recent placements listed include a New York structural engineer with claims, a geotech engineer with a large loss history and an architectural firm with a large reserved open claim.
“NEW YORK STRUCTURAL ENGINEER WITH CLAIMS”		not statednot statedburnsandwilcox.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Professional liability for architects, engineers, land surveyors and design/build firms; regularly considers accounts with prior claims and adverse loss history.
“coverage available for architects, engineers, land surveyors, design/build firms”		All 50 states considered, including CA, CO, FL, GA, NJ, NY, WVSurplus lineskinsaleins.com · read 2026-10-28

Berkley Design Professional, Admiral (AdmiralPro Design), Victor/CNA and Amwins APU's A&E program (non-admitted in all states, not available in FL) all write A&E but their pages say nothing about claims history, so they were left out. RLI design professionals page returned 404 and /products/ is robots-disallowed; AXA XL and Travelers product paths returned 404; Lexington returned 403.

How Architects and engineers with claims gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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