How to Know When an Account Needs A&E Coverage

A&E exposure doesn’t always announce itself. Many qualifying accounts don’t identify as “design firms” — yet still assume professional responsibility through contracts, consulting, or advisory work.

Knowing when to quote A&E helps agents avoid missed coverage and wasted submissions.

1. Common A&E Green Flags (Quote It)

• Professional services outlined in contracts

• Design, planning, or advisory responsibilities

• Custom specs, calculations, or recommendations

• Consulting fees tied to deliverables

If the insured’s work relies on professional judgment, A&E should be considered.

2. A&E Red Flags (Proceed Carefully)

• Work outside stated professional scope

• Contract terms exceeding experience or licensure

• Design responsibilities paired with high-hazard operations

• Prior professional liability claims

These don’t always mean “no” — but they may require the right market.

3. Why These Accounts Are Often Missed

Many agents overlook A&E because:

• GL is assumed to be sufficient

• Professional exposure is buried in contracts

• A&E isn’t requested upfront

Recognizing green flags early helps agents quote confidently — and efficiently.

Agent Takeaway:

If an insured designs, specifies, or advises, A&E should be reviewed before binding GL alone.

📩 proquotes@stuckey.com