Architect and Engineer Insurance

Providing Business Liability Insurance in Austin, Round Rock and All of Central Texas

Architects and Engineers Errors and Omissions Insurance Coverages

The cornerstone of any architect and engineer insurance program is the architect and engineer errors and omissions liability (also called a professional liability) policy. This is usually the greatest expense to a firm, and not surprisingly any firm’s greatest areas of risk. In addition to being a cost factor, it is the one policy that usually has a different policy form from all the other liability policies. There is no “standard” architect and engineer E&O policy form. Unlike general liability or auto, most carriers do not use a standard form with the same language across industries. Consider also that professional liability insurance policies for architects and engineers are “claims made” policies which are a different animal than your general liability policy. Understanding these polices are crucial. At Sunstone Insurance Agency, we help you understand the minutiae of your errors and omissions policy. It is only with this understanding that you can make the right decision for your business.

Another necessary component of an architect or engineer’s insurance coverage is a good general liability policy.  We have access to many carriers interested in writing these policies for your firm, and can provide competitive pricing while not sacrificing coverage.

Depending on your circumstances, you may also need auto insurance, property insurance, workers compensation insurance, employment practices liability, and more.

Many times we can package all of these coverages together to give you a comprehensive package policy for your firm.  Let us see if we can simplify your insurance program with all your necessary coverage with one carrier on a package policy.

Insurance for Architects and Engineers in Texas

At Sunstone, we offer statewide, and in some cases, multi-state options for your architect and engineer insurance.  We are centrally located in Austin and Round Rock, Texas, but we help clients place their insurance in the surrounding area as well. You are mobile, we serve you where you are. Call us today


Architects and Engineers errors and omissions insurance cost

Architect and engineer insurance cost varies widely from firm to firm.  So much so, that it is impossible to “ballpark” the cost for you.  That being said, Sunstone Insurance Agency makes the process of getting a quote as easy as possible.

With access to several carriers specializing in architect and engineer errors and omissions insurance, we can make sure your firm is receiving a competitive quote.  We are happy to help you through the application process, and facilitate the process of quoting your errors and omissions insurance.  We will not pressure you or harass you.  We think we can provide you with the best solution for your architect and engineer insurance.  If we can’t, we will tell you.  If your current architect and engineer insurance policy is better, we will tell you.  We are advisors, and we want you to succeed.  If we are not the agency to do that for you, we won’t try to sell you an inferior policy.

Our core values state that our success will come by being thorough, knowledgeable, and honest, not hitting production numbers.

Architects and Engineers errors and omissions insurance limits

Every firm’s need is different.  Your particular risk tolerance, the size of your revenue and jobs, and the contractual mandates you have, all factor in to determining the appropriate limits for you architect and engineers liability insurance.  With access to multiple carriers available to write varying limits, we can explore options for your firm ranging from $100,000 per claim and $300,000 in the aggregate to $1,000,000 per claim and aggregate,  In addition, we can provide as many layers of $1,000,000 of liability coverage that you may need via an umbrella liability policy.

Architects and Engineers errors and omissions insurance programs

With access to Travelers National A&E program, as well as other national carriers with architect and engineer specific insurance policies, Sunstone Insurance Agency can help place your firm’s insurance with an insurance carrier and policy specifically tailored to the needs of your business

In addition to errors and omissions insurance, general liability, property, auto and umbrella, Sunstone can provide architects and engineers insurance that includes several significant coverage options.  These include:

Worldwide Coverage Endorsement

Worldwide coverage is available and affordable.  Sunstone Insurance Agency has access to products designed to cover your business in over 120 countries worldwide.


Cyber is no longer an extra item to consider.  It is now an essential part of every firm’s insurance program.  Cyber is affordable, and in most cases very broad coverage.  Coverage may be provided for your firm’s liability exposure to third parties resulting from a breach.  This coverage includes the cost associated with the required notification to third parties in the event of a breach, even when there are no damages.  It may also include coverage for your firm in the event your data is hacked, corrupted or held for ransom.  The days of small firms been exempt from this exposure is over.  Your small firm is now a greater target than the larger entities.  With claims costs in the 10’s of thousands of dollars on the low end, and premiums potentially around $1000 per $1,000,000 of revenue, the cost benefit analysis is no longer subject to debate.

Pollution Liability Coverage

Do you know how your policy defines a pollutant?  One common policy definition defines pollutants as any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Pollution exclusions are common and may be extremely broad.  We work with our clients to help them understand the pollution language in their policy, and tailor it to their needs.

Inland Marine Property Coverage

An architects and engineers errors and omissions liability policy does not provide coverage for your equipment.  This must be protected by a property or inland marine policy.  Your equipment is valuable, and on the go.  Don’t let an accident, theft, or other loss of your equipment slow your business down.

Design Professional Liability

Coverage that can help protect design firms against losses resulting from negligence, errors, and omissions may or may not be automatic.  Architect and engineer professional liability policy forms are different.  One common area we audit for our customers is how the policy defines professional services.  At Sunstone Insurance Agency, we help you match that to your actual work to avoid any potential coverage gaps.

Architects and Engineers Errors and Omissions Insurance Agent Near Me

Not every agent has access to the national programs for architects and engineers insurance that Sunstone Insurance Agency has.  We are local and national.  We are accessible to your business, but with the national reach to cover you.  With insurance agents in Austin and Round Rock, Sunstone Insurance agency provides insurance services all over Texas.  We help firms in Travis, Williamson, Bastrop, Burnet, Hays, Harris and Nueces Counties.  Whether you are in Austin, Houston, Dallas or any city, we are prepared to help.

Architects and Engineers Comprehensive Insurance Solutions

We find that many clients have their insurance with multiple agents and multiple companies.  At Sunstone Insurance Agency, we are provide comprehensive insurance solutions for architects and engineers.  Give your office manager or risk management department one place to go to for all of your architect and engineer insurance needs.  Whether it is the professional liability (E&O), general liability, property, auto, employment practices, cyber, or group health and benefits.  We do it all.

Maryam Ati
Maryam Ati
20:44 12 Jul 21
Tami Goode
Tami Goode
21:48 18 Feb 20
Rhett and Debbie are efficient, friendly, and informative! They have excellent customer service and a very quick turnaround.
Cindy Brummer
Cindy Brummer
23:36 17 Feb 20
Rhett, Debbie, and the team at Sunstone are my go-to. They make sure I have the right amount of coverage for my company and that I'm not overpaying. When I need documents or have questions, they are quick to respond and help me. For example, when I needed to increase cyber coverage last year, they did the research quickly, let me know my options, made a recommendation, and we were able to increase coverage. Even better bonus -- the increase wasn't as much as I had expected. Woo-hoo!
William Hines
William Hines
18:27 21 Sep 15
I highly recommend Rhett Braniff for you insurance and risk management needs.I have known Rhett for a long time, so I trusted him with my insurance. Insurance for my business is important to me, and I wanted to make sure I was properly covered. When my policies were coming up for renewal, I asked Rhett to review them. After looking them over, Rhett was able to identify some key areas of my coverage that needed attention. He presented me with several options that allowed me to get great coverage that fit our budget. I secure with my insurance, and I didn’t have to spend a lot to do it.Most of all, Rhett made it easy. He broke down the various coverage areas in easy to understand language, and was able to answer all of my questions. Rhett was sensitive to my time constraints, and didn’t unnecessarily burden me with the process.I recommend Rhett for all your personal or commercial insurance needs.

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