Design responsibility
The scope of professional services should reflect the practice. Review disciplines, project types, and the role of subconsultants.
BUSINESS INSURANCE / ARCHITECTS & ENGINEERS
Protect the practice behind the plans.
Your decisions shape projects long after the drawings leave your desk. Ironhill helps design professionals review insurance around their disciplines, contracts, project history, and responsibilities.
THE WORK BEHIND THE BUSINESS
Insurance for architects & engineers.
Grounded in your day to day.
Project type, design discipline, construction oversight, and consultant relationships can all affect the professional liability conversation. Bring the details of the work you sign, supervise, and subcontract.
Long project timelines
A claim may arise well after a design is delivered. Prior coverage and reporting dates deserve care when a practice changes.
Visits to active sites
Professional allegations are different from bodily injury or property damage during a site visit. Review both sides of the exposure.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
Professional Liability Insurance (E&O)
Consider allegations about your advice or services, along with prior coverage and reporting dates.
Explore this coverageGeneral Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageCyber Insurance
Consider incident response, information you hold, and the systems your business depends on.
Explore this coverageWorkers’ Compensation Insurance
Review the work your team performs, payroll, and the locations where they work.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Protect the practice behind each project
Your discipline, project types and scope of responsibility matter more than a generic professional label. Design work, site observations and subconsultant arrangements should all be part of the review.
Bring sample contracts and your coverage history. We’ll help you consider the professional liability questions around ongoing and completed projects before you change policies or accept a new assignment.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Disciplines and project values
- Contract terms and subconsultant use
- Prior coverage and claims history
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Why does the retroactive date matter for a design practice?
It can affect which past work is eligible under a claims-made policy. Review the date and reporting requirements before replacing or ending coverage.
Does general liability cover a design error?
Do not assume so. Allegations arising from professional design services usually require a separate professional liability review.
What affects the cost of insurance for architects & engineers?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as disciplines and project values, contract terms and subconsultant use, prior coverage and claims history help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.