Insurance For Architects And Engineers

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Engineering Insurance

As an engineer, you carry out challenging and complex tasks ranging from operating heavy machinery, overseeing construction, preparing intricate designs to data management and software engineering. The nature of risks you are exposed to are just as complex as the responsibilities you handle and can include project delays, injury sustained by an employee, damage to your client’s property, or fire in your business premises. Any of these eventualities can attract lawsuits from your clients, causing a huge dent in your financial health.

It takes a lot to ensure your engineering firm stays ahead of the competition in a hyper-competitive world and maintains its profitability.

Engineering insurance is a comprehensive insurance policy designed to cover a wide range of risks related to the field. It offers complete protection against multiple risks such as equipment failure, loss of business income, design liabilities, project delay, bodily injury, and property damage.

While there are different types of engineering insurance policies, Engineers Insured offer insurance coverage that meet your specific coverage needs.

Choosing your business’s best engineering insurance policy is crucial as it ensures comprehensive protection against a host of risks you are exposed to as an engineer.


What are the types of engineering insurance?

Engineering is a complex profession that involves specialized skill sets and superior technical knowledge. Given the range of responsibilities that engineers handle, it is quite evident that the nature of risks they are exposed to are also diverse and complex. Accordingly, there are multiple engineering insurance policies that cater to specific risks associated with each engineering specialization.

Some of the standard engineering insurance forms are:

General liability insurance: If your client claims that you or any of your engineering firm’s employees caused property damage or bodily injury to the client, the general liability insurance covers the costs of legal defense, judgement and compensation. The typical examples include a slip and fall accident that a client may experience in your business premises or when your employee accidentally breaks a valuable asset in the client’s home.


Errors and Omission (E & O) or Professional liability insurance: Despite your best intentions and professional commitment, mistakes do happen. These can include project delays, budget overruns, poor quality of materials or other mistakes that can cause financial loss to the client. At times, even when you are not at fault, your client’s unreasonable expectations, misunderstandings, or miscommunication can result in a E & O lawsuit. The E & O insurance is an engineering insurance policy that offers coverage for these “errors and omissions.”


Many other types of engineering insurance cover specific risks in each engineering occupation:


Design insurance: Design engineers work exclusively in the design field and this type of engineering insurance policies protect against common risks linked to the design phase. The design E & O insurance protects the engineer or the engineering firm from alleged or actual faulty design claims.

Design liability insurance: This type of insurance protects you from claims of property damage or personal injury caused by your design.

Design build insurance: The design build insurance is ideal for engineers who handle the entire project right from the design phase to construction and protects them from claims that the construction or design caused harm to the client.

Workers’ compensation: If your employees working on a project are injured while working, this insurance covers their medical expenses as well as lost wages.

Equipment breakdown insurance: Engineers rely on computers and other machinery or equipment to carry out their operations. This insurance covers the cost related to equipment malfunction or breakdown that can occur due to either mechanical or electrical failure.

Property insurance: This policy covers replacements and damages in case there is a break-in at your office, or your business premises catches fire.

Business owner’s policy: If you run a low-risk operation, the BOP or business owner policy is a suitable option. It combines general liability with property insurance and protects your equipment as well as your building.

Engineers Insured offers comprehensive engineering insurance cover for a wide range of engineering occupations, professions, and sectors, including:


  • Automotive
  • Environmental
  • Chemical
  • Civil
  • Mechanical
  • Structural
  • Consulting
  • Manufacturing
  • Drafting technician
  • Communication
  • Construction managers
  • Electrical
  • Drilling
  • Engineering testing labs
  • Geo-technical and soil
  • Hydrological
  • Telecommunications
  • Industrial
  • Landscape architects
  • Project managers
  • Software
  • Telecommunications
  • Forensic Engineer

What does engineering insurance cover?

Engineers Insured, we take great care to cover engineering insurance to fit engineers and engineering firms’ unique needs. Engineering insurance is designed to cover the specific risks that you are exposed to, ranging from an employee suffering an injury while at work to allegedly poor work quality.

The most important covers engineers and their firms need are:

  • General liability insurance
  • E & O (Errors and Omission) insurance
  • Workers compensation
  • Business income protection
  • Property insurance

General liability insurance protects you and your business from claims of property damage or bodily injury caused by your business or occurring on your business premises. It can also include coverage for advertising injuries such as libel, slander, and copyright infringement. The E & O insurance is also known as professional liability insurance and covers any alleged or actual mistakes committed when offering professional services. This can include project delay, poor quality of work, substandard materials, faulty design and so on.

Business income insurance replaces your lost income in case of a business interruption where you are unable to function due to property damage. Property damage protects your business premises and the equipment you use against damages suffered due to break-in or fire.

Apart from standard coverages, we also provide policies to cover technology related risks including

  • electronic data transfer
  • web-hosting
  • copyright infringement
  • privacy liability
  • Technology products and technology based services
  • Computer Network Security
  • Privacy Liability
  • Multimedia

A Business Owner’s Policy bundles general liability and property insurance coverages into one and helps you save on insurance costs while offering comprehensive coverage.

As top rated engineering insurance policy specialists, we understand the varied complexities involved in the engineering profession. While we are focused on understanding your unique concerns and coverage requirements, we work closely with expert underwriters to offer the most suitable engineering insurance with competitive quotes.

How much does engineering insurance cost?

Many factors influence the cost of engineering insurance including:

  • Coverage needs
  • Business size
  • Revenue
  • Specialty

While the cost of engineering insurance varies based on the above factors.

We work hard to suit and offer the best engineering insurance package that is aligned with your specific needs in the engineering industry. It is our mission to ensure you are covered by the perfect engineering insurance policy that protects you from wide-ranging risks.

Our engineering insurance policy ensures that when mistakes happen, they do not have a devastating effect on your finances or your reputation. Contact us to know more about engineering insurance and to get a competitive quote.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice