Architects & Engineers

Architects and engineers are highly specialized and technical professionals. The decisions they make on form and function build and shape the world around us. Their design decisions permeate a project, affecting cost, efficiency and even public safety. With such capability comes great responsibility - and risk. 

Cutting-edge solutions steeped in history

For over 65 years, Victor's Architects and Engineers professional liability program has provided coverage for architecture, engineering, landscape architecture and surveying firms of all sizes. 

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Rectification coverage

Rectification coverage is available in our professional liability policy for architects & engineers. Find out more about this unique coverage part offered by Victor. 

team of architects

7 compelling reasons to insure your design & construction firm

Some design & construction firms may consider going without professional liability coverage to save money. However, dropping your coverage can cost you more than you think. 


Agent/broker resources

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Architect, Engineer & Surveyor Professional Liability applications

Please send completed applications to design.us@victorinsurance.com.

Architects & engineers

Land surveyors: for firms providing professional land surveying services

Landscape architects & golf course designer

Supplemental applications

Availability: In all 50 states, D.C. and U.S. territories

2020 policy form: Approved in most states (state filings pending in AK, KS, PR. Not available in SD and VT)

Coverage: Admitted, with an A rated carrier (non-admitted capacity available as needed)

Target risks: Engineers, architects, surveyors, landscape architects

Limits: Up to $20 million (up to $35 million for firm with revenues over $5 million)

Policy features:

  • One of the broadest professional liability forms in the industry
  • International coverage
  • Multi-year policies available for eligible small accounts
  • Broad coverage for pollution, asbestos and equity interest
  • ERP death or disability coverage for no additional coverage
  • $0 deductible options available for small firms
  • Defense outside the limits
  • Rectification expenses coverage for a design defect caused by professional services
  • No hammer clause
  • Punitive damages coverage where allowable by law
  • Free risk advisory resources including publications, seminars, live and recorded webinars and contract reviews by experienced risk management professionals
  • Free continuing education courses
  • Local claims service by dedicated A&E specialists and experienced defense attorneys
  • 5% premium credit for AIA/NSPE members
  • Up to 12% premium savings for ACEC members

2020 policy form enhancements

  • Expansion of the term insured
  • Enhanced rectificaiton applicability
  • Availability of aggregated defense outside the limits
  • Update to the faulty workmanship exclusion
  • Carve-back to the transportation exclusion
  • Inclusion of most favorable jurisdiction
  • Expansion of the subrogation waiver
  • Liberalization of current policy coverages
  • Updated rates in select states

Download the Architects & Engineers coverage highlight sheet

Professional Liability policy forms

  • The 2020 policy form is subject to state filing procedures. Learn more about our 2020 policy form enhancements
  • The 2014 policy form is subject to state filing procedures
  • The 2005 policy form is subject to state filing procedures
  • Most states and territories (except NY, VT and SD): A Risk Mitigation Credit is offered to eligible policyholders of this new insuring agreement and provides the option of receiving a deductible credit of up to $25,000 if certain best practices are implemented
  • New York licensed professionals such as architects, engineers, land surveyors and landscape architects use the 2015 NY free trade zone insuring agreement beginning with policies effective on or after June 1, 2019
  • New York non-licensed professionals such as Environmental Consultants and Specialty Construction Consultants will continue to be written using our 1999 NY insuring agreement until further notice
  • Vermont: The 1999 insuring agreement is used in these and any other states not yet approving the 2005 agreement (except for NY and SD)
  • South Dakota: Insuring agreement

Other policy forms

To help you and your clients understand and overcome risks, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Contact the architects & engineers team directly at design.us@victorinsurance.com or connect with your business development contact.

Policyholder resources

To get a quote, please submit a completed application through your existing insurance broker. Your insurance agent/broker can work with our underwriters to provide you with a quote.

If you require assistance in securing an insurance broker, please contact us at design.us@victorinsurance.com

To find the right application, please select the solution you’re interested in under “Solutions” and head to the “Applications” section of that page.


You have the option not only to report a claim, but circumstances, (situations in which you are concerned that a claim may occur) as well.

Here's how to ensure the fastest possible response to your circumstance or claim:

  1. When you're notified of a claim or become aware of a circumstance, email your claim information to designclaims.us@victorinsurance.com, or you can write the CNA Insurance Companies in care of Victor Insurance Managers LLC, 7700 Wisconsin Avenue, Suite 400, Bethesda, MD 20814.

  2. With respect to claims, all principals and staff members involved in the claim should be prepared to document the circumstances surrounding the allegation. Your written report to CNA should include the following:

    - Your firm's name and address
    - Your policy number
    - Date, time and location of the situation
    - Brief narrative description of the allegation against you
    - Name of person or entity making the claim
    - Amount of demand, if known
    - Any lawsuit papers or legal proceedings
    - Client - architect/engineer agreement for the project
    - Any other pertinent documents or correspondence, including newspaper accounts

  3. If the claim or circumstance involves a traumatic situation (collapse of a structure, serious bodily injury, etc.), take photographs of the site if possible. Amateur photos taken promptly are more valuable than professional photos taken at a later date.

  4. Consult with your CNA claim specialist before you agree to attend any conferences arranged for the specific purpose of discussing the situation.

  5. Do not sign or accept releases from any parties without first obtaining approval from your CNA claims specialist.

  6. Keep all pertinent letters of agreement for services, correspondence and memoranda.

  7. Accept all letters, memoranda, and suit papers without comment or argument. Do not admit liability, and do not attempt to place blame.

Experienced legal counsel
CNA uses highly experienced and successful legal defense firms that specialize in architects and engineers professional liability claims to help defend you. The attorney assigned to your case will consult with you and keep you informed about all important actions to be taken on your behalf. In addition, your CNA claims professional will help answer your questions and advise you of developments in your case. The legal defense of a lawsuit is often the most critical factor in handling a professional liability claim. Providing you with the experienced legal defense you need is just one more reason why CNA delivers the best claims services available in the industry.

Fast claims service
If you are faced with a claim or potential claim, you can be assured that CNA will provide fast, fair claims service. Applying our experience and expertise, we work with you to protect your firm's assets and reputation by handling your claim quickly and effectively. Specialists give you personal service. Our architect and engineer professional liability claim professionals are available from coast to coast. At Victor and CNA, we continually respond to the evolving needs of your practice. That is our commitment to you - a commitment we've been keeping for over 65 years.

After your insurance company is notified about your claim or incident, we will take the following steps:

  1. An analyst will be assigned to review your case
  2. The analyst will notify your claims specialist, who will contact you within 24 hours of being notified of your situation to begin the investigation.
  3. As the investigation progresses, you and your claims specialist will work together to direct, monitor and assess your case.
  4. If the situation requires legal counsel, an attorney specializing in the defense of architects and engineers claims will be retained to protect your interests.

Discover the Victor difference
Victor knows the fine details of insuring firms like yours - we've worked with American Council of Engineering Companies members for many years and we created the world's first professional liability insurance policy for architects and engineers over 65 years ago. We understand and can protect your firm better than anyone.

Our coverage for design professionals offers a coordinated insurance solution that integrates good business and risk management practices with a comprehensive insurance program.

Learn more

Victor knows the fine details of insuring firms like yours - we've worked with American Institute of Architects members for more than 65 years.  That's why we're the program of choice for AIA members offered by the AIA Trust.  

We also provide insurance counsel to the AIA Documents Committee and continually work with AIA to evolve our risk and practice management services to help protect your investments.

Our insurance program for design professionals offers a coordinated insurance solution that integrates good business practices and risk advisory resources with a comprehensive insurance program. We're also pleased to offer AIA member firms a 5% premium credit* on professional liability policies.

Get a free quote

Not a member? Find out more about the benefits you can earn by joining the AIA.

*certain restrictions may apply

Victor knows the fine details of insuring engineering firms like yours and created the world's first professional liability insurance policy for architects and engineers over 65 years ago. As NSPE's commended program, we've worked with NSPE members for many years and can protect your firm better than anyone. We're also pleased to offer NSPE members a 5% premium credit on professional liability policies*. 

Get a free quote

*certain restrictions may apply

Risk advisory
Our risk advisory and continuing education program is unlike any in the industry. Created for design professionals, by design professionals - as a Victor insured, you will have access to:

  • free risk advisory resources including publications, seminars, live and recorded webinars
  • free continuing education courses. Explore our engineers curriculum, which includes over 50 courses, including risk management, ethics and anti-harassment courses.

Visit Victor Risk Advisory to find out more.

Victor Contract Sifter
Available exclusively for Victor insureds, Victor Contract Sifter is an automated contract review tool that allows you to upload a professional liability contract and, within minutes, receive a list of missing and found insurability and practice management issues along with actionable guidance from Victor experts.

Access Victor Contract Sifter

Victor and the National Society of Professional Surveyors have partnered for over 30 years to provide professional liability insurance solutions and risk advisory services to NSPS members.

Get a free quote

The following selection of key resources are available to NSPS members at no cost. 

Risk advisory resources

Visit Victor Risk Advisory to find out more.

Free continuing education credits

The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

Architects, Engineers & Consultants is available on V²

Quote, bind and issue policies in minutes with our online platform, V2

Victor Risk Advisory

To help design & construction firms understand and overcome complex risks and challenges, Victor Risk Advisory offers policyholders continuing education courses, automated contract reviews, tools & resources to help manage projects and run their firm, plus much more!

team of architects

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