PRACTICAL INSURANCE PLANS
DESIGNED FOR
ARCHITECTS & ENGINEERS
HOW WE ADD VALUE
FOR OUR CUSTOMERS
WE SAVE YOU TIME
We investigate and compare options so you can keep doing what you do best.
Your firm isn’t the same as every other business, so neither is our coverage.
You shouldn’t have to pay more for insurance that doesn’t fit your business.
Industries We Serve
Whether you’re designing the structure, managing the build, or overseeing the entire project, we understand the risks you face—and we’re here to protect what you’re building.
Engineers
Drafters & Detailers
Builders & Developers
Construction & Contracting
Cost-Effective Coverage At Your Fingertips
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Prefer a call?
If you’d like a custom quote from one of our agents, reach out to us at
945-293-3922.
Prefer a call? If you’d like a custom quote from one of our agents, reach out to us at 945-293-3922.
Explore Our Insurance Policy Products
Professional Liability (E&O)
Professional liability insurance—also known as errors and omissions (E&O) insurance—is essential protection for architects and engineers who are responsible for designing structures, systems, and spaces. Even with the most careful planning, mistakes in drawings, specifications, or calculations can lead to costly disputes, delays, or structural failures. E&O coverage protects your firm from financial losses related to claims of negligence, errors, or omissions in your professional services—even if the claim is unfounded.
At StruX, our E&O policies are tailored specifically to the risks design professionals face. We understand the long project timelines, contract requirements, and client expectations that make this type of coverage critical. Whether you’re a solo practitioner or a multi-disciplinary firm, we build policies that meet your contractual obligations and protect your business against claims that could otherwise derail your growth. With StruX, you get more than a policy—you get a partner who speaks your language and simplifies the process.
General Liability
General liability insurance protects your business from the everyday risks that come with running a firm—like third-party property damage, bodily injury, or advertising-related claims. Whether someone trips in your office, a subcontractor causes damage on a job site, or a client claims your marketing misused their branding, general liability coverage helps shield your business from the legal and financial fallout.
At StruX, we provide general liability insurance built for the way architects, engineers, and builders actually work. From office-based consulting to field-based site visits, our coverage is designed to align with your operations, contracts, and exposure points. This foundational policy pairs seamlessly with professional liability insurance, ensuring you’re covered from both professional risks and day-to-day incidents. With StruX, you get targeted protection without the complexity or cost of one-size-fits-all policies.
Worker's Compensations
Workers’ compensation insurance is essential for protecting your employees—and your business—if someone gets injured or becomes ill as a result of their job. Whether it’s a slip at a job site, repetitive stress from drafting, or an accident during a site visit, workers’ comp helps cover medical bills, lost wages, and rehabilitation costs. It also protects your company from costly lawsuits by ensuring injured employees are cared for under state-regulated benefits.
At StruX, we provide workers’ comp coverage that fits the unique dynamics of architecture, engineering, and construction firms. Whether you have office staff, field engineers, or jobsite supervisors, we’ll help you navigate classification codes, payroll-based premiums, and compliance in your state. With coverage available across 49 states, we streamline the process and help you avoid penalties while making sure your team is protected. It’s just one more way StruX helps you build a safer, stronger business.
Life Insurance
Life insurance provides financial security for your loved ones or business partners in the event of your death. For firm owners, key employees, or partners in architecture, engineering, or construction businesses, life insurance can help protect your family, fund buy-sell agreements, pay off business debts, or ensure the continuity of your company. It’s a critical part of long-term planning—especially in industries where small firms rely on a few key people to keep things running.
At StruX, we understand the structure and succession challenges that professional firms face. That’s why we offer life insurance options tailored for business owners, executives, and team members in the construction and design fields. Whether you need personal protection, key person insurance, or a policy to back a buy-sell agreement, we’ll help you choose the right coverage for your goals.
Personal Insurance
At StruX, we know that protecting your personal assets is just as important as safeguarding your business. That’s why we offer personal insurance solutions—including home and auto coverage—designed for professionals in the architecture, engineering, and construction industries. Whether you’re insuring a home you’ve worked hard to build or a vehicle you rely on every day, we help you get the right protection without the usual hassle or upsell.
Our approach is personal, not transactional. We’ll work with you to tailor coverage based on your lifestyle, assets, and risk tolerance—ensuring you’re fully covered without overpaying. Whether you’re looking to bundle home and auto or simply want a smarter policy from someone who understands your world, StruX delivers straightforward coverage with the same professionalism and clarity you expect in your business.
The Strux Insurance Team
Our company was founded by engineering and construction veterans, who understand the challenges of getting the right coverage and built solutions to serve the engineering, architecture and construction communities. We’re more than an insurance provider—we’re industry veterans who understand the real risks behind every drawing and project. We created StruX to fill the gap between generic insurance offerings and the specialized needs of architects, engineers, builders, and general contractors. Our mission is to deliver tailored, cost-effective coverage that protects your projects, your business, and your peace of mind—so you can focus on building what’s next.
Tyler Cook
Managing Director
Calvin Bontrager
CEO, StruCalc
Janae Spinney
COO, StruCalc
AEC Insurance Frequently Asked Questions
We know insurance can be complex, especially in the design and construction world. Here are answers to the most common questions we hear from our customers. If you don’t see your question here, our team is always ready to help.
What types of insurance do architecture and engineering firms need?
Most firms need Professional Liability (E&O) to protect against design errors or omissions, along with General Liability, and Workers’ Compensation. Depending on your services, Life Insurance or Personal Insurance coverage may also be important. We help you identify the right combination based on your firm’s size and project types.
How is professional liability insurance different from general liability?
Professional liability insurance (also called Errors & Omissions) covers financial losses due to mistakes in your professional services—like a design flaw or miscalculation. General liability protects against bodily injury, property damage, and accidents unrelated to your professional services (like someone falling in your office).
How long does it take to get coverage in place?
Most firms can have their coverage quoted and bound within 1–3 business days. If your needs are complex, our team will work quickly to tailor the right policy and walk you through your options.
How much does insurance typically cost for an engineering or architecture firm?
Costs vary based on firm size, location, revenue, and project types.. but most small to medium sized firms pay $10,000–$20,000 annually for professional liability, with package discounts available when bundled with other policies. Reach out for a custom quote based on your exact needs.
What makes insurance for architects and engineers unique?
Insurance for architects and engineers must cover the professional risks that come with designing buildings and infrastructure. Unlike general contractors, your work is evaluated long after a project is completed—meaning claims can arise years later due to design flaws, code issues, or project delays. That’s why professional liability insurance (also called Errors & Omissions) is critical. It’s tailored to cover financial damages from mistakes in drawings, specs, or calculations—not just physical accidents or property damage. At StruX, we specialize in building policies that address these unique long-term exposures.
Why is it important for engineers and architects to have the right insurance coverage?
Because a single design error, missed detail, or miscommunication can lead to costly lawsuits, project delays, or contract disputes. The right insurance protects your firm from financial loss, preserves your reputation, and keeps your business running—even if something goes wrong. Clients often require specific coverage levels in contracts, and lacking the right policy can put your projects—or your firm—at risk. With StruX, you get coverage built specifically for the risks you face in the design and construction world.
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Don’t pay more for generic insurance coverage that doesn’t fit your business.