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Architects & Engineers Errors and Omissions (E&O)

The cost of a design professional liability has actually gone down over the past five years

Design and engineering work can often be a complicated process involving multiple parties with extremely high expectations. In an ever evolving industry with intense scrutiny and rigid demands,design professionals are facing increased risk of litigation.

To ensure the appropriate parties are protected, it is important to tailor coverage to adequately limit your clients exposure to the risks related to their professional services. As a leading wholesale insurance provider, Burns & Wilcox can connect you to Architects and Engineers E&O Coverage, which provides clients with financial restitution when held liable for errors, omissions, professional negligence, remediation or other design related risks.

The quick response team at Burns & Wilcox understands the specific issues your clients face and can provide instantaneous, intelligent solutions.

Coverage Details and Features

  • Deductibles as low as $2,500 ($0 available on some classes)
  • Premium starting at $1,500
  • Worldwide coverage available
  • Specific job excess
  • Contingent Pollution coverage (including mold)
  • Contingent bodily injury and property damage
  • Technology products and services coverage available by endorsement
  • General Liability package for some classes
  • Personal Injury included
  • Punitive damage/most favorable jurisdiction (where insurable)
  • Independent contractor coverage
  • Duty to defend/pay on behalf of wording

Target Classes

(including but not limited to)

  • Contractors
  • Licensed Architects
  • Electrical, Civil, Mechanical, HVAC/Plumbing, Structural Engineers
  • Design/Build
  • Land Surveyors
  • Interior design services
  • Landscape Architects
  • Construction Manager/Project Managers
  • Oil/Gas/Geo/Soil Engineers
  • Forensic Construction
  • LEED/Energy Consultants/Designers
  • Inspection companies
  • Residential and/or condo exposure
  • Joint Ventures

Claims Examples

A designer misinterprets renderings done by the insured architect which leads to the ordering of costly materials that are not going to work for the project. The mutual client is upset and sues both for professional negligence and demands reimbursement for the useless materials. The architect does not believe this it is their fault but was named in the lawsuit and has a responsibility to appear in court. Their policy appoints counsel and defended the architect. Total defense and indemnity cost: $400,000
An HVAC engineer provided design and installation services for the construction of a new high school. Design errors created mold issues in the pool/gymnasium wing. Suit was brought against the engineer for mold remediation. Claim paid: $30,000

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.


Landscape contractor. Design build, $1M Contractors Professional, Contingent BI/PD and CPL


Process control/chemical engineer. $1M/$1M AE Professional, Tech Services/Product Coverage with Contingent CPL/BI/PD

Architects & Engineers Errors and Omissions (E&O): Applications

Please choose the application that best fits your needs.

If you need additional assistance please contact your local office.

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