January 9, 2026
6:00:00 PMPM
Architects, engineers, and design professionals are facing more scrutiny than ever — even when projects don’t go wrong.
Tighter contracts, expanding scopes of work, and economic pressure are driving an increase in professional liability allegations. For agents, this means A&E coverage deserves a closer look — especially when General Liability alone may leave gaps.
1. Contracts Are Driving Exposure
Today’s contracts often include broader indemnification language and higher professional standards. Even minor design decisions or advisory services can trigger allegations of negligence or failure to meet contractual obligations.
For agents, this means professional liability exposure may exist before a project even begins.
2. Scope Creep Is a Common Risk
Design and consulting work rarely stays static. Small changes, informal advice, or added responsibilities can expand an insured’s professional exposure beyond the original agreement.
When expectations aren’t clearly defined, claims often follow — even if the work itself was reasonable.
3. Economic Pressure Increases Disputes
When budgets tighten and timelines slip, clients are more likely to look for accountability. Professional service providers often become targets for cost recovery, leading to allegations tied to design decisions, specifications, or recommendations.
These claims don’t require catastrophic failures — just dissatisfaction.
4. Where General Liability Falls Short
General Liability responds to bodily injury and property damage. It does not respond to allegations of professional errors, omissions, or negligence tied to services.
That gap is where A&E coverage becomes critical.
Agent Takeaway
If your insured designs, specifies, consults, or advises — A&E exposure should be reviewed. Even when clients don’t ask for it, contracts and professional services may require it.
Stuckey helps agents identify A&E opportunities and place coverage with confidence.
Questions on appetite or fit?
📩 proquotes@stuckey.com
