RF Ougheltree Insurance

Architects, Engineers & Construction Managers

Architects and engineers are subject to negligence claims for design errors and omissions. They’re also prone to frivolous lawsuits that can threaten business as well as personal assets. Still more, professional liability insurance is generally a prerequisite to be considered for more desirable contracts, projects, or clients.

As a specialist in professional liability, Hull & Company, Inc. (RFO) arranges insurance policies in the Admitted and Non-Admitted markets for all types and sizes of design and engineering firms including design/build and construction management exposures.

Insurance is also available from insurance companies that also provide risk management and legal defense services. 

Eligible Accounts:

No restrictions.

The types of firms we handle include, but are not limited to, architects, all types of engineers, surveyors, testing laboratories, construction and project managers, urban and land use planners, interior designers, draftsman, expert witnesses, design/build firms, environmental and technical consultants.

Accounts we handle at Hull & Company, Inc. (RFO) fall into 3 groups:

  • Small accounts: under $2,000,000 revenues
  • Middle market accounts: $2,000,000-$15,000,000
  • Large accounts: firms with $15,000,000 in annual revenues and upwards


  • Claims Made and Reported
  • Worldwide coverage
  • Limit of Liability for primary coverage is available from $100,000 up to $10,000,000 and more for larger risks.  Excess limits are available for larger risks.
  • Deductibles vary depending upon the size of the firm.
  • Prior Acts coverage for most risks (may not be available for risks with poor loss experience)
  • Joint venture coverage
  • Professional Services rendered for another entity in which the Insured has ownership interest (equity percentage may vary by carrier).
  • Broad Supplemental payments coverage including pre-claim assistance
  • Personal Injury Coverage
  • Pollution & Asbestos Coverage (for claims arising out of professional services)
  • Other coverage options available on certain accounts:
    • First Dollar Defense coverage for smaller firms or specified risks
    • Specific project or client excess limits
    • Retirement, practice discontinuance, or run-off options
    • Deductible Gap coverage for project policies
  • Coverage extension options may be available from certain carriers:
    • Technology Services and Products
    • Contractors Pollution Liability
    • Computer Network Security
    • Multimedia & Advertising Coverage
    • Employment Practices Liability Coverage

Risk management /loss prevention services vary by carrier but may include contract reviews, pre-claims assistance, risk management webinars and loss prevention consultations.


Architects, Engineers, Design-Builders and Construction Managers Professional Liability-NY only

Architects, Engineers, Design-Builders and Construction Managers Professional Liability -All states except NY

Artisan Contractors Errors & Omissions - (Includes Professional Liability, Errors & Omissions & Pollution Incident Liability Coverage)

Contractors, Design-Builders and Construction Managers - (Includes Professional Liability & Pollution Incident Liability Coverage)

Engineers, Consultants, Testing Firms & Laboratories - (Includes Professional Liability, General Liability, Pollution Liability)

Environmental Service Providers - (Includes Professional Liability, General Liability, Pollution Liability)

Surveyor Professional Liability


Specialty Lines:2013 Wrap-Up

Other Coverages:

All or most other coverages that comprise the Hull & Company, Inc. (RFO) practice are appropriate. Contact a staff broker to discuss a particular account.

All insurance product and/or coverage descriptions are informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverage may not be available in all jurisdictions.