State facts
Written and reviewed by Michael LaBarbera, licensed insurance agent
Florida licenses design professionals through 4 boards we confirmed on official state websites. Architects: Board of Architecture and Interior Design. Professional engineers: Florida Board of Professional Engineers. Land surveyors: Florida Board of Professional Surveyors and Mappers. Landscape architects: Board of Landscape Architecture. Interior designers: Board of Architecture and Interior Design.
| Discipline | Board | Status | What the official page says |
|---|---|---|---|
| architects | Board of Architecture and Interior Design | licensed | The board licenses and regulates architects. |
| professional engineers | Florida Board of Professional Engineers | licensed | The board identifies the FE and PE examinations as steps toward professional engineer licensure. |
| land surveyors | Florida Board of Professional Surveyors and Mappers | licensed | The department licenses and regulates professional surveyors and mappers through this board. |
| landscape architects | Board of Landscape Architecture | licensed | The board licenses and regulates landscape architects. |
| interior designers | Board of Architecture and Interior Design | registered title only | The board identifies registered interior designers among the professionals it regulates. |
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 Florida-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 Florida 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 Florida cases.
A grading plan directs runoff into a building’s lower level. The owner questions elevations and coordination of drainage around the structure.
Illustrative claim amount: $180,000.
Record drainage assumptions, consultant roles, and construction changes to identify the source of the problem.
A connection detail is found to be inadequate before occupancy. Access work, revised detailing, and retrofit create substantial corrective costs.
Illustrative claim amount: $650,000.
A correction before injury still can generate a serious claim; record calculations and report the demand promptly.
The Board of Architecture and Interior Design, per its official website: The board licenses and regulates architects.
The Florida Board of Professional Engineers, per its official website: The board identifies the FE and PE examinations as steps toward professional engineer licensure.
The Florida Board of Professional Surveyors and Mappers, per its official website: The department licenses and regulates professional surveyors and mappers through this board.
The Board of Landscape Architecture, per its official website: The board licenses and regulates landscape architects.
The Board of Architecture and Interior Design, per its official website: The board identifies registered interior designers among the professionals it regulates.
No. Published claims and market data for design professionals are reported nationally, not by state. We show cited national figures so Florida 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 Florida 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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