About us
About Provident Financial Group
Written and reviewed by Michael LaBarbera, licensed insurance agent
Provident Financial Group is an independent insurance agency that specializes in professional liability for architects, engineers, and design professionals. We work for the firm, not a single carrier, so we can compare multiple markets for you from one application.
Provident Financial Group is an independent insurance agency that quotes professional liability for design professionals across multiple carriers from one application, shows you which carriers declined, and issues live certificates of insurance you can share anytime.
Process
How we work with design firms
- STEP 1
One application
You complete a single application covering your firm, revenue, project mix, and history.
- STEP 2
Market the account
We submit it to every carrier quoted through our agency that fits your profile and contract requirements.
- STEP 3
Transparent results
You get the quotes side by side, plus a list of carriers that declined and the reasons they gave.
- STEP 4
Bind and certify
Once you choose, we bind coverage and issue certificates of insurance the same business day.
01
Multiple carriers, one application
Complete one application and we take it to every carrier that fits your firm's profile.
02
We show you who declined — and why
You see which carriers passed on your firm and the reason they gave, so nothing happens behind a curtain.
03
Same-day certificates of insurance
Need a COI for a proposal or contract? We issue certificates the same business day.
04
Live Certificates on demand
Clients, owners, and general contractors can retrieve your current certificate anytime without waiting on us.
Carriers quoted through our agency for design professionals include:
- The Hartford (firms under $2M revenue via its small-business A&E product; larger firms via Hartford Global Specialty)
- Hiscox
- Great American (design professionals program)
- GUARD
- Markel
- Travelers
- Hanover
- Coterie and NEXT (office package)
- Colonial Surety (bid and performance bonds)
Carrier names identify markets quoted through our agency. Availability depends on underwriting, state, policy wording and endorsements; this is not an offer of coverage.The Hartford's small-firm A&E product is not available in Vermont; Vermont firms are placed with another carrier.
Licensing
Where we're licensed
- Arizona
- California
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Indiana
- Kansas
- Kentucky
- Maryland
- Massachusetts
- Michigan
- Nevada
- New Jersey
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Texas
- Vermont
- Virginia
Request a quote
Get quotes from multiple carriers with one application
Start with your contact details — it takes about four minutes. A licensed agent reviews your firm and emails your options, usually within one business day.
Frequently asked questions
Is Provident Financial Group an insurance company?
No. We are an independent insurance agency: we don't issue policies ourselves, we quote and place coverage with carriers on your behalf.
Which states are you licensed in?
We are licensed in Arizona, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Vermont, Virginia.