Carrier profile
The Hartford professional liability for design professionals
Written and reviewed by Michael LaBarbera, licensed insurance agent
The Hartford writes professional liability for design professionals and is quoted through our agency. Below are 16 policy features taken from The Hartford's own published US documents, each linked to its source.
| Feature | What the carrier's document says | Source |
|---|---|---|
| Eligibility (revenue and firm types) | Independent design firms; revenue up to $2M (larger firms go to Hartford Global Specialty). No construction or manufacturing services; construction administration and site visits allowed. Individuals, employees of design firms, and government agencies are not eligible. | Design Professional Liability — The Hartford (2026-07) |
| Limits available | $250K–$2M annual limits | Design Professional Liability — The Hartford (2026-07) |
| Deductibles / credits / options | $0–$10K deductible | Design Professional Liability — The Hartford (2026-07) |
| Policy form | Claims-made, standalone | Design Professional Liability — The Hartford (2026-07) |
| Defense inside/outside limits | Defense inside limits | Design Professional Liability — The Hartford (2026-07) |
| First-dollar defense option | Damages-only first-dollar-defense endorsement available | Design Professional Liability — The Hartford (2026-07) |
| Consent-to-settle / hammer clause | No hammer clause | Design Professional Liability — The Hartford (2026-07) |
| Pre-claim assistance | Included; unlimited | Design Professional Liability — The Hartford (2026-07) |
| Rectification / design-error expense | Rectification expense for design errors | Design Professional Liability — The Hartford (2026-07) |
| Disciplinary proceeding defense | Defense up to $25K | Design Professional Liability — The Hartford (2026-07) |
| Subpoena assistance | Assistance up to $100K | Design Professional Liability — The Hartford (2026-07) |
| ADA/FHA/OSHA proceeding reimbursement | Reimbursement up to $25K | Design Professional Liability — The Hartford (2026-07) |
| Extended reporting period (automatic / optional) | Automatic 60-day extended reporting period | Design Professional Liability — The Hartford (2026-07) |
| Network intrusion (third-party) | Third-party liability tied to professional services | Design Professional Liability — The Hartford (2026-07) |
| Pollution incident | Incident coverage tied to professional services | Design Professional Liability — The Hartford (2026-07) |
| States not available | Vermont | Design Professional Liability — The Hartford (2026-07) |
Features not shown were not confirmed in a published US document; ask us. 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. Firms over $2M revenue are quoted through Hartford Global Specialty.
Side-by-side comparisons
The Hartford questions
Can Provident Financial Group quote The Hartford?
Yes. The Hartford is one of several carriers quoted through our agency from one application. We also show you which carriers declined and why.
What policy form does The Hartford use for design professionals?
The Hartford's published material describes it as: Claims-made, standalone. Policy wording controls.
What limits does The Hartford offer design firms?
Its published material lists: $250K–$2M annual limits. Your available limits are set in underwriting.
Does this page rank The Hartford against other carriers?
No. We list features from the carrier's own documents only and do not rank or endorse carriers.
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.