| Coverage | Trend | Range |
|---|---|---|
| Professional liability |  |
0% to +5% |
| General liability | |
0% to +5% |
| Auto liability |  |
+5% to +15% |
| Workers’ compensation | |
0% to +5% |
| Umbrella liability | |
+5% to +15% |
| Cyber | |
0% to +5% |
| Executive risk | |
0% to +5% |
Favorable risks — firms with no material change in business, strong risk management practices, and stable loss histories — continue to benefit from competitive market conditions and stable pricing.
| Coverage | Trend | Range |
|---|---|---|
| Professional liability | |
+5% to +10% |
| General liability | |
+5% to +10% |
| Auto liability | |
+15% to 30% |
| Workers’ compensation | |
+5% to +10% |
| Umbrella liability | |
+15% to +30% |
| Cyber | |
0% to +5% |
| Executive risk | |
0% to +5% |
Challenging risks — firms with higher-exposure project types, complex services, and/or adverse loss experience — face increased underwriting scrutiny, premium pressure, and higher deductible requirements.
Key takeaways
- A&E professional liability remains stable for favorable risks, with competition supporting flat renewals.
- A&E firms with a high-risk profile face greater underwriting scrutiny, deductible pressure and potential rate increases.
- Adverse claim severity trends, social inflation and longer claim resolution times remain key market concerns.
- Auto and umbrella lines face the most pressure as bodily injury claims and large verdicts continue to rise.
The Architects & Engineers insurance market is entering 2027 in a stable but increasingly selective environment. While competition and available capacity continue to create opportunities across several coverage lines, auto liability remains challenged by rising claim severity, social inflation and the ongoing threat of large verdicts. Professional liability conditions are similarly divided between favorable risks and more challenging accounts with higher-risk project profiles, adverse claims histories or complex operations. Renewal outcomes can range from flat to 15% increases depending on exposure characteristics and line of coverage.
Although overall pricing has remained relatively stable, insurers continue to express concerns that rates may not adequately reflect long-term loss trends. Carriers report increasing claims severity, longer claim resolution periods and growing settlement costs. Insurers are also paying closer attention to emerging exposures involving artificial intelligence, climate change and economic uncertainty.
Disclaimer
WTW hopes you found the general information provided here informative and helpful. The information contained herein is not intended to constitute legal or other professional advice and should not be relied upon in lieu of consultation with your own legal advisors. In the event you would like more information regarding your insurance coverage, please do not hesitate to reach out to us. In North America, WTW offers insurance products through licensed entities, including Willis Towers Watson Northeast, Inc. (in the United States) and Willis Canada Inc. (in Canada).
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