Architects & Engineers Professional Liability

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Architects & Engineers in Small Firms

Victor’s professional liability insurance program for architects and engineers in small firms protects against claims and allegations of professional negligence on the part of the business owner or the firm’s employees.


Architectural or engineering firms providing professional services with annual fees of $500,000 or less may qualify for this insurance. Firms predominantly involved in the following disciplines are ineligible, however, may qualify under a practice policy:

  • Geotechnical/soils
  • Marine
  • Nuclear

Coverage Details

  • Coverage is written on a claims-made and reported basis
  • Full prior acts coverage from establishment of firm
  • Three-year policy period
  • Annual aggregate limits
  • Guaranteed fixed premium for the policy term
  • Premium is paid in annual instalments
  • Limits are available on a per claim and annual aggregate basis up to $2,000,000

Policy Features

  • Zero deductible for qualifying risks
  • Broad definition of name insured
  • Broad definition of professional services
  • Non-cancellable policy except for non-payment of premium
  • Pollution liability coverage
  • Design-build coverage
  • Excess coverage over separately insured projects (not insured with Victor)

Submission Requirements