Project Types That Get Extra Underwriting Review
Written and reviewed by Michael LaBarbera, licensed insurance agent
The Hartford's small-firm program requires an underwriting referral when a firm has performed services within the past three years on bridges, condominiums or cooperatives, falsework or temporary construction, laboratories or clean rooms, landfills, or swimming pools. This is one carrier’s rule, not a market-wide rule.
DESIGN PROFESSIONAL LIABILITYG-001INSURANCE / REFERENCE SHEET
What are the key facts?
- Different services and projects create different underwriting exposures, so an application asks how the firm’s work is distributed. [Great American — Design professional liability application]
- Project-policy options exist, but availability and terms depend on the project and participating firms. [Architects & Engineers Professional Liability — GUARD]
- No. Agency representation and at-risk construction responsibility can create different underwriting exposures. [Great American — Design professional liability application]
Sources
Design Professional Liability — The Hartford · July 2026
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