Design firms face risks that standard policies miss — from jobsite theft of survey gear and studio outages that affect billable hours to contract clauses demanding primary, non-contributory additional insured and waiver of subrogation.
That's why we tailor coverage to how design firms operate, drawing upon our two decades of proven underwriting experience and partnership with a top-rated, admitted carrier. That customized approach might mean replacing your client's stolen contractor's equipment at full value, protecting billable hours when plotters or servers go down, or meeting a client's $10 million umbrella requirement.
Multi-state operations, offsite exhibitions and international site visits? Our Architects, Engineers and Surveyors (AE&S) solutions scale with your client's footprint, backed by worldwide umbrella coverage.
Design Firms We Serve
Architects
- Landscape architects
- Building/space-planning architects
- Interior designers
Engineers
- Civil engineers
- Structural engineers
- Mechanical engineers
- Electrical engineers
- Forensic engineers
- Soil/geotechnical 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
Design Professionals Insurance Coverage Highlights
- Design Professionals Endorsement with broadened coverages
- Additional Insured (primary and noncontributory) and Waiver of Subrogation, where required by contract
- Commercial Umbrella options with higher limits available
- Design Professionals Property Endorsement
- Includes $100,000 for valuable papers, records and fine arts (including architectural models)
- Electronic Data Processing (EDP) included within the Business Personal Property limit
- Identity fraud expense coverage (select states)
- Business income valuation on an actual loss sustained or billable hours basis
- Inland Marine available with full replacement cost for covered equipment
- Note: Coverage availability may be limited in certain coastal or wildfire exposure areas
- Employee Hired Auto
- Auto Physical Damage
- Roadside Assistance
- Blanket Waiver of Subrogation (where available)
- Auto Coverage Plus Endorsement options, including: [be sure to indent the bullets below]
- Blanket Additional Insured
- Hired Auto Physical Damage
- Glass deductible waiver (select states)
- Loan/lease gap coverage
- Workers' Compensation and Employers' Liability
- Waiver of Subrogation (where available)
- Limits up to $10M
- Worldwide coverage territory
Submission Requirements
- Account questionnaire
- Professional liability application
- ACORD form
- 5 years of loss runs or going back to start of business
- Helpful: target premiums
Meet Our Design Professionals Insurance Team
Account Manager
Frequently Asked Questions
No, we're not an outlet for building or constructing the work of the designers.
Yes, RPS's Architects and Engineers liability insurance provides protection against claims alleging design flaws and/or defects resulting from rendering professional services to a third party.
RPS's Design Professionals Insurance coverage is available in all 50 states (certain restrictions may apply).
Umbrella provides worldwide territory. For broader international needs (e.g., Foreign Voluntary Workers' Compensation, Hired/Non-Owned Auto Abroad, Kidnap and Ransom), we can coordinate a foreign package where needed.
No, we cover those in design firms that are creating the project initially.
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