Environmental, Design and Construction Consultants

Environmental and construction consultants are often hired to provide their unique expertise on a specific aspect of a construction project. Their impact, whether rendering urban planning services for a local government or performing an environmental impact inspection, becomes high profile when an issue arises with their design or assessment. 

Specialist solutions for unique risks

Providing a specialized service can lead to unique exposures. Victor's Environmental, Design and Construction Consultants professional liability insurance policy is designed for a wide array of consultants.

Consultants appetite guide

Victor's environmental, design and construction consultants program is designed for an extensive range of professions. Check out our appetite guide to find out more. 

environmental consultant

8 compelling reasons to insure your environmental business

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

environmental consultants

Agent/broker resources

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Construction and Environmental Consultants professional liability applications

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

Applications for other coverages



Availability: Admitted in all states where approved, D.C. and U.S. territories 

Target risks: See our list of professionals and services we insure

Minimum premium: $1,000

Limits: Up to $20 million

Policy features:

  • Pollution coverage for all services
  • Retroactive coverage available for eligible firms
  • Incident reporting at the policyholder's option
  • No exclusions for mold, asbestos or EIFS
  • Multi-year policies available for small accounts
  • Broad coverage for professional services
  • No hammer clause

Download the Environmental, Design & Construction Consultants coverage highlight sheet

Consultants professional liability policy forms
  • The most recent 2014 policy form is subject to state filing procedures
  • The 2005 policy form is subject to state filing procedures
  • The above insuring agreement applies to all states except NY and VT. It is also available in DC, PR and VI.
    • A risk mitigation credit is offered to eligible policyholders of this 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 2006 NY free trade zone insuring agreement beginning with policies effective on or after September 1, 2006
  • 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

Available endorsements

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 environmental, design & construction consultants 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.

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!

environmental consultants

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

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Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability (Victor for Agents)

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Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability (Victor for Agents)

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Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

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Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

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Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.