State guide
District of Columbia professional liability insurance for design professionals
Written and reviewed by Michael LaBarbera, licensed insurance agent
Design firms in District of Columbia can buy professional liability insurance through Provident Financial Group, an independent agency licensed in District of Columbia that quotes multiple carriers from one application. District of Columbia uses 2 separate licensing bodies for the five design disciplines we track. Architects are licensed by the Board of Architecture, Interior Design, and Landscape Architecture.
What are the key facts?
| District of Columbia: architects — Board of Architecture, Interior Design, and Landscape Architecture. The board regulates architecture, interior design, and landscape architecture. | [dc-architects] |
| District of Columbia: landscape architects — Board of Architecture, Interior Design, and Landscape Architecture. The board regulates architecture, interior design, and landscape architecture. | [dc-architects] |
| District of Columbia: interior designers — Board of Architecture, Interior Design, and Landscape Architecture. The board regulates architecture, interior design, and landscape architecture. | [dc-architects] |
| District of Columbia: professional engineers — District of Columbia Board of Professional Engineers and Land Surveyors. The board regulates licensing and practice of professional engineers and land surveyors. | [dc-engineers] |
| District of Columbia: land surveyors — District of Columbia Board of Professional Engineers and Land Surveyors. The board regulates licensing and practice of professional engineers and land surveyors. | [dc-engineers] |
Which boards license design professionals in District of Columbia?
District of Columbia uses 2 separate licensing bodies for the five design disciplines we track.
The Board of Architecture, Interior Design, and Landscape Architecture covers architects, landscape architects and interior designers. The District of Columbia Board of Professional Engineers and Land Surveyors covers professional engineers and land surveyors. The list below comes from each board's official page, so you can confirm the agency that issued your license before you complete a District of Columbia application.
- Architects: Board of Architecture, Interior Design, and Landscape Architecture
- Landscape architects: Board of Architecture, Interior Design, and Landscape Architecture
- Interior designers: Board of Architecture, Interior Design, and Landscape Architecture
- Professional engineers: District of Columbia Board of Professional Engineers and Land Surveyors
- Land surveyors: District of Columbia Board of Professional Engineers and Land Surveyors
Sources: [dc-architects][dc-engineers]
Why the District of Columbia board structure matters to underwriters
Carriers ask District of Columbia firms which licenses the firm and its principals hold, because the licensed scope defines the professional services the policy is written around.
Architect licensing in District of Columbia sits with the Board of Architecture, Interior Design, and Landscape Architecture. Engineering licensing sits with the District of Columbia Board of Professional Engineers and Land Surveyors. If your District of Columbia firm offers more than one discipline, list every license so the policy's professional services definition matches the work you actually sell.
A mismatch between the services described in a District of Columbia application and the licenses on file is one of the most common reasons underwriters return questions before quoting.
Interior designers in District of Columbia
Interior design in District of Columbia is handled through the Board of Architecture, Interior Design, and Landscape Architecture. The board regulates architecture, interior design, and landscape architecture. Underwriters ask District of Columbia interior designers whether they hold that credential and whether their drawings are sealed by another licensee.
Carriers quoted through our agency for District of Columbia design firms
For District of Columbia firms, carriers quoted through our agency include The Hartford (small-firm A&E product under two million in revenue, with larger firms through Hartford Global Specialty), Hiscox, Great American, GUARD, Markel, Travelers and Hanover. Coterie and NEXT are quoted for the office package, and Colonial Surety for bid and performance bonds.
Carriers named here are quoted through our agency; no carrier endorses Provident Financial Group, and availability depends on each carrier's underwriting.
Certificates for District of Columbia owners and contractors
Public owners, developers and general contractors on District of Columbia projects routinely ask for a certificate of insurance before a contract is signed. We issue same-day certificates, and Live Certificates let your District of Columbia clients retrieve your current certificate on demand.
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.
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.
Frequently asked questions
Who licenses architects in District of Columbia?
The Board of Architecture, Interior Design, and Landscape Architecture licenses architects in District of Columbia, according to its official website.
Who licenses engineers and land surveyors in District of Columbia?
Professional engineers in District of Columbia: District of Columbia Board of Professional Engineers and Land Surveyors. Land surveyors in District of Columbia: District of Columbia Board of Professional Engineers and Land Surveyors.
Does District of Columbia regulate interior designers?
Interior design in District of Columbia is handled through the Board of Architecture, Interior Design, and Landscape Architecture. The board regulates architecture, interior design, and landscape architecture.
Can Provident Financial Group quote professional liability for my District of Columbia firm?
Yes. District of Columbia is one of the states where Provident Financial Group is licensed, and we quote design professional liability across multiple carriers from one application and show you which carriers declined.
Do these District of Columbia board facts change my insurance requirements?
No. Board facts identify who licenses your District of Columbia firm; your contracts and each carrier's underwriting decide the limits and terms you need. Policy wording controls.
Buyer questions answered
- Can a client be named as an additional insured on professional liability?
Usually not: additional-insured status is typically a general liability request, and professional liability policies generally do not add clients as additional insureds.
- Do architects need professional liability insurance?
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.
- Does general liability cover design errors?
Generally no: general liability is not a substitute for professional liability when the allegation is a design error.
- What is a retroactive date?
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.
What are the sources?
- Board of Architecture, Interior Design, and Landscape Architecture
- District of Columbia Board of Professional Engineers and Land Surveyors
Policy forms and endorsements control; this is not legal advice or a coverage decision.
Carrier names identify markets quoted through our agency. Availability depends on underwriting, state, policy wording and endorsements; this is not an offer of coverage.
More insurance questions and answersRequest 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.
