Professionals Covering Professionals.

As S.H. Smith & Company prepares to enter into our 30th year of crafting professional insurance solutions; we have never before had such a comprehensive and creative array of assets to offer our Architect and Engineer customers.

S.H. Smith & Company has the ability to provide Architects and Engineers E&O coverage for those who specialize in Civil, Mechanical, and Structural Exposures. Minimum premium for small volume general contractors starts at $1,500.

Additional Architects and Engineers (E&O) Coverage Features:

• Coverage able to extend and cover Design Build firms
• Professional Services definition expanded to specifically address Design/Build and Construction Management professional services (Both Agency and At-Risk)
• Energy consultants/engineers is now a considered class
• Time delays and cost overruns exclusions are carved back in respect of professional services
• Admitted paper and limits of up to $5m available, excess limits also available
• Practice Policies and Project Policies available
• Coverage available for Sole practitioners, Pollution exposure and Prior acts
• Defense outside the limit on a case by case basis
• Project specific coverage available

It used to be that agents came to S.H. Smith & Company when no one else could help. While we still get a thrill out of placing the "impossible to place" business, we are just as enthusiastic about writing more standard risks. In fact, the underwriting process at S.H. Smith & Company is the same regardless of the complexity of the risk.

What does this mean for you?

It means that we often employ the use of manuscript and exclusive S.H. Smith & Company-designed endorsements to ensure that your insured's policy is custom fit to cover their exact exposures.

Does your broker have the clout and expertise to manuscript carrier coverage? Does your broker have exclusive endorsements to enhance standard market coverages?

Above all else, dealing with S.H. Smith & Company affords our agents the ability to rest easy knowing that their insured is comprehensively covered in the event of a loss.

We invite you to contact one of our Architects and Engineers experts today to learn more about our current E&O offerings or to better understand S.H. Smith & Company's full spectrum of capabilities.

Connecticut Office
Matthew Smith
860-656-1272
800-356-0168 x 1272

Minnesota Office
Steve Hunziker
651-414-3861
877-279-8500 x3861

Massachusetts Office
Blake Hamre
781-247-6224
800-735-1023 x 6224