State guide

Kentucky professional liability insurance for design professionals

Written and reviewed by Michael LaBarbera, licensed insurance agent

Design firms in Kentucky can buy professional liability insurance through Provident Financial Group, an independent agency licensed in Kentucky that quotes multiple carriers from one application. Kentucky uses 3 separate licensing bodies for the five design disciplines we track. Architects are licensed by the Kentucky Board of Architects.

DESIGN PROFESSIONAL LIABILITYG-001INSURANCE / REFERENCE SHEET

What are the key facts?

Key facts and sources
Kentucky: architects — Kentucky Board of Architects. The board regulates architects and provides architect license renewal information.	[ky-architects]
Kentucky: professional engineers — Kentucky State Board of Licensure for Professional Engineers and Land Surveyors. The board licenses and regulates qualified individuals and firms.	[ky-engineers]
Kentucky: land surveyors — Kentucky State Board of Licensure for Professional Engineers and Land Surveyors. The board licenses and regulates qualified individuals and firms.	[ky-engineers]
Kentucky: landscape architects — Kentucky Board of Landscape Architects. An expired active license ends both the right to practice and the right to use the landscape architect title.	[ky-landscape-architects]
Kentucky: interior designers — Kentucky Board of Architects. The board has been responsible for certification of interior designers since July 2002.	[ky-architects]

Which boards license design professionals in Kentucky?

Kentucky uses 3 separate licensing bodies for the five design disciplines we track.

The Kentucky Board of Architects covers architects and interior designers. The Kentucky State Board of Licensure for 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 Kentucky application.

Architects: Kentucky Board of Architects
Professional engineers: Kentucky State Board of Licensure for Professional Engineers and Land Surveyors
Land surveyors: Kentucky State Board of Licensure for Professional Engineers and Land Surveyors
Landscape architects: Kentucky Board of Landscape Architects
Interior designers: Kentucky Board of Architects

Sources: [ky-architects][ky-engineers][ky-landscape-architects]

Why the Kentucky board structure matters to underwriters

Carriers ask Kentucky 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 Kentucky sits with the Kentucky Board of Architects. Engineering licensing sits with the Kentucky State Board of Licensure for Professional Engineers and Land Surveyors. If your Kentucky 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 Kentucky application and the licenses on file is one of the most common reasons underwriters return questions before quoting.

Interior designers in Kentucky

Interior design in Kentucky is handled through the Kentucky Board of Architects. The board has been responsible for certification of interior designers since July 2002. Underwriters ask Kentucky interior designers whether they hold that credential and whether their drawings are sealed by another licensee.

Carriers quoted through our agency for Kentucky design firms

For Kentucky 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 Kentucky owners and contractors

Public owners, developers and general contractors on Kentucky projects routinely ask for a certificate of insurance before a contract is signed. We issue same-day certificates, and Live Certificates let your Kentucky 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.

Multiple carriers, one application

Complete one application and we take it to every carrier that fits your firm's profile.

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.

Same-day certificates of insurance

Need a COI for a proposal or contract? We issue certificates the same business day.

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 Kentucky?

The Kentucky Board of Architects licenses architects in Kentucky, according to its official website.

Who licenses engineers and land surveyors in Kentucky?

Professional engineers in Kentucky: Kentucky State Board of Licensure for Professional Engineers and Land Surveyors. Land surveyors in Kentucky: Kentucky State Board of Licensure for Professional Engineers and Land Surveyors.

Does Kentucky regulate interior designers?

Interior design in Kentucky is handled through the Kentucky Board of Architects. The board has been responsible for certification of interior designers since July 2002.

Can Provident Financial Group quote professional liability for my Kentucky firm?

Yes. Kentucky 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 Kentucky board facts change my insurance requirements?

No. Board facts identify who licenses your Kentucky firm; your contracts and each carrier's underwriting decide the limits and terms you need. Policy wording controls.

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.

All buyer questions

What are the sources?

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.

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.

Start my quote (866) 964-6660