State facts
Written and reviewed by Michael LaBarbera, licensed insurance agent
Connecticut licenses design professionals through 4 boards we confirmed on official state websites. Architects: Architectural Licensing Board. Professional engineers: State Board of Examiners for Professional Engineers and Land Surveyors. Land surveyors: State Board of Examiners for Professional Engineers and Land Surveyors. Landscape architects: State Board of Landscape Architects. Interior designers: Department of Consumer Protection.
| Discipline | Board | Status | What the official page says |
|---|---|---|---|
| architects | Architectural Licensing Board | licensed | The Board consists of two public members and three architects residing in Connecticut. |
| professional engineers | State Board of Examiners for Professional Engineers and Land Surveyors | licensed | The same board covers professional engineers and land surveyors. |
| land surveyors | State Board of Examiners for Professional Engineers and Land Surveyors | licensed | The same board covers professional engineers and land surveyors. |
| landscape architects | State Board of Landscape Architects | licensed | The Department lists the State Board of Landscape Architects among its professional boards. |
| interior designers | Department of Consumer Protection | registered title only | Interior designers wishing to use the designation registered interior designer must register each year. |
Facts come from each board's official website. Board rules change, so confirm details with the board. These facts do not change policy terms; policy wording controls.
National figures, not Connecticut-specific. Each links to its source.
The market is broadly stable with ample capacity despite carrier consolidation.
Source: Insurance Marketplace Realities 2026 Spring Update – Architects & Engineers — WTW (2026-05-07)
Renewal rate forecasts ranged between -5% and -10% so far in 2026.
Source: Insurance Marketplace Realities 2026 Spring Update – Architects & Engineers — WTW (2026-05-07)
Average claims were around $130,000, with severity claims exceeding $250,000.
Source: Insurance Marketplace Realities 2026 Spring Update – Architects & Engineers — WTW (2026-05-07)
Insurers’ scrutiny of risk quality and documentation remained unchanged.
Source: Insurance Marketplace Realities 2026 Spring Update – Architects & Engineers — WTW (2026-05-07)
Carriers quoted through our agency. Shown in no particular order; no ranking or endorsement is implied. Availability in Connecticut is confirmed in underwriting.
| Carrier | Limits | Deductible | Source |
|---|---|---|---|
| The Hartford — Small Business design professional liability | $250K–$2M annual limits | $0–$10K deductible | Design Professional Liability — The Hartford |
| Hiscox | Limits capacity up to $10M on a primary or excess basis. | Deductible credit included in base form; aggregate deductible option available. | Hiscox PRO Architects and Engineers — Design, Construction and Real Estate Development |
| Great American | $250,000 per claim/$250,000 aggregate to $5 million per claim/$5 million aggregate. | $0 deductible option for qualified small firms; aggregate deductible option for most firms. Early-resolution credits: 75% within one year or 50% within three years (only higher credit applies). | Great American Professional Liability Division — Protection for Design Professionals |
| GUARD | Up to $5 million per claim. | Deductibles starting at $2,500. | Professional Liability/E&O — Architects & Engineers |
| Travelers | Ask us | Claims guide: agreeing to claim resolution by mediation reduces the deductible obligation by 50%, up to a $25,000 reduction. | Design Professional Liability Insurance — Travelers Claim Services Guide |
| Hanover | Ask us | Additional claim-free and risk management deductible reduction benefits offered. | Professional liability for architects and engineers |
Illustrative scenarios, not actual agency losses or Connecticut cases.
A completed tenant fit-out has insufficient accessibility clearance in its restrooms. Rebuilding is required after the omission is discovered.
Illustrative claim amount: $120,000 for restroom rebuilding.
Document accessibility coordination and revisions; a late discovery can produce corrective costs after the fee is earned.
Specified wall coverings fail a fire inspection and must be replaced before the restaurant opens. Procurement and installation records become important.
Illustrative claim amount: $95,000.
Retain product data and substitution approvals to distinguish specification from supply or installation problems.
The Architectural Licensing Board, per its official website: The Board consists of two public members and three architects residing in Connecticut.
The State Board of Examiners for Professional Engineers and Land Surveyors, per its official website: The same board covers professional engineers and land surveyors.
The State Board of Examiners for Professional Engineers and Land Surveyors, per its official website: The same board covers professional engineers and land surveyors.
The State Board of Landscape Architects, per its official website: The Department lists the State Board of Landscape Architects among its professional boards.
The Department of Consumer Protection, per its official website: Interior designers wishing to use the designation registered interior designer must register each year.
No. Published claims and market data for design professionals are reported nationally, not by state. We show cited national figures so Connecticut firms can see the broader market; your own quote depends on your firm.
Carrier materials we cite list the limit and deductible ranges shown in the table. Availability in Connecticut is confirmed during underwriting.
A retroactive date is the prior-acts boundary on a claims-made policy: services performed before that date may fall outside coverage even when the claim arrives during the current policy.
Most architecture firms carry professional liability insurance because clients, owners and contracts commonly ask for it and because design-error allegations can arise years after a project closes.
Generally no: general liability is not a substitute for professional liability when the allegation is a design error.
Usually not: additional-insured status is typically a general liability request, and professional liability policies generally do not add clients as additional insureds.
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