February 9, 2026
Architects and engineers face unique challenges that demand comprehensive, cost-effective insurance solutions. Berkley Design Professional delivers state-of-the-art professional liability coverage designed exclusively for design firms of all sizes and disciplines. Our sole focus is the architecture and engineering industry, providing risk and practice management from true industry practitioners—professionals who have walked in your shoes and understand how to mitigate the risks of running a design firm.
The Situation
When an alleged error or omission occurs, a design firm can quickly become entangled in costly disputes or litigation—impacting finances, time, and reputation. Consider this real-world example:
An architect designed a new community center for a nonprofit organization and also provided engineering services. During construction, significant quality issues arose, particularly with the foundation. The architect used its standard contract which stated they would “ensure” contractor performance per plans and specifications. Compounding the problem, the architect lacked formal written contracts with its structural engineer and geotechnical firm—only proposals existed. As a result, the architect was unable to engage its consultants in dispute resolution.
The Resolution
To resolve the claim, Berkley Design Professional paid in excess of $600,000 on behalf of the policyholder and nearly $100,000 in legal expenses.
Lessons Learned
A design professional should:
- never agree to “ensure” the quality of construction work—this creates an uninsurable warranty of another party’s performance.
- always have written contracts with subconsultants, including indemnification provisions for negligent performance.
- align dispute resolution processes and venues in subconsultant agreements with those in the prime agreement.
Why Professional Liability Insurance Coverage Matters
Professional liability (E&O) insurance isn’t just about responding to claims—it’s about preventing them. It provides the protection design professionals need against financial risks, damages, and legal costs that can arise from professional services.
The Berkley Design Professional Difference
We live and breathe our mission—Better By Design®
Here’s what sets us apart:
- Experienced Underwriters empowered to craft tailored coverage solutions.
- Real-World Risk Management education and resources delivered by seasoned design practitioners and liability specialists.
- Dedicated Claims Professionals who advocate for policyholders and protect their deductibles.
By partnering with Berkley Design Professional, your clients gain more than insurance—they gain a strategic ally committed to helping design firms thrive through comprehensive coverage, innovative risk management, and fair, experienced claims handling.
