Business Insurance for Architects & Engineers

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Architects & Engineering Firms Face Serious Risks

Architects and engineering firms face many serious risks such as lost data, on-site accidents, claims, and lawsuits that can significantly impact their business. Even so, they can rest assured that The Hartford is here to help businesses reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Architects & Engineering Firms
Helps protect the property an architect and engineering business owns and/or leases, including buildings, computers, equipment, inventory, furniture, tools and fixtures. Property coverages can be tailored by the policyholder to fit the specific needs of their architect or engineering business.
 
This can include coverage if:
 
  • Equipment owned by the business breaks down.
  • The business is unable to process electronic data.
  • The firm loses income because utility services are interrupted.
Our Property Coverage also helps protect the computers, specialized software; equipment engineering firms depend on, as well as accounts receivable and valuable papers. It can also cover equipment breakdown.
The General Liability Choice® policy from The Hartford helps covers bodily injury and property damage, including damage to rented properties, and accidents related to running an engineering business. This policy also helps to protect the assets of an architect and engineering company if it is sued for negligence, personal injury, libel, slander, errors, omissions, misrepresentation in advertising, and more. The policy automatically covers employees as defined in the policy and can easily be extended to cover others when needed. 
Our end-to-end cybersecurity solutions help protect businesses from the potentially severe effects of a broad range of third-party liability and first-party risks associated with data privacy and network security, including hackers, malicious software, rogue employees, hardware theft, employee error and more.
Our Private Choice PremierSM package policy helps architects and engineering firms protect against management liability exposures with five critical coverage parts that can be customized to meet their specific business needs:
 
  • Directors, Officers and Entity Coverage – helps protect directors and officers in their everyday management and business decisions.
  • Employment Practices Liability Coverage – helps protect firms and their leaders from damages and defense costs related to employment practice disputes such as discrimination, sexual harassment, and wrongful termination or discipline.
  • Fiduciary Liability Coverage – helps provide coverage for claims that arise from the administration and oversight of specified employee benefits plans provided to employees and retirees of the organization.
  • Crime Coverage – helps protect firms against employee theft and other crimes.
  • Kidnap and Ransom/Extortion Coverage – helps provides a reimbursement to the insured for certain costs related to kidnapping, ransom and extortion in the U.S. or while traveling abroad.
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
Helps to increase an Architect or Engineering Firm’s protection when a covered claim exhausts the limits of their primary liability coverage. 
Additional Solutions for Architects & Engineering Firms
The Hartford is a leading provider of Workers’ Compensation Insurance, which provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. If an employee is injured or sick, The Hartford helps return them to work as soon as reasonably possible or to other transitional work and may include training with new skills. This coverage even pays a long-term benefit if an employee can’t return to work. In the event that an employee dies due to a work-related accident, the policy pays an insurance benefit to the family. Our offerings:
 
  • The Hartford’s Team•WorkSM Return-to-Work program helps get injured employees back on the job as soon as medically appropriate.
  • Our Payroll Billing Option, XactPAY® offered at no extra cost, can help businesses more easily manage and monitor cash flow related to their workers’ comp payments. It features premium payments based on actual payroll and timed to the company’s payroll schedule.
Helps cover the vehicles that a business owns, leases, rents or borrows, on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles and in the event of a total loss, can help pay off a lease or loan if there is a gap in coverage. The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.
The Hartford’s innovative Risk Engineering team strives to help companies run safer and ultimately more profitable businesses with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security. 
 

For Smaller Firms

Smaller architectural firms typically require specialized insurance coverage.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.