Professional liability insurance for engineers
When a design error causes delays, redesigns or damage, the claim lands on the engineer of record. Professional liability covers your defense and settlements, and project owners usually require proof of it in the contract.
- Who asks for it
- Owners
- Project owners and general contractors require it in contracts.
- Instant estimate
- $1M / $3M
- For engineering and design firms.
- Plan for the long tail
- Tail
- Design claims can surface years after a project closes.
Claims engineers face
- Design errors or omissions discovered during construction
- Delays and redesign costs blamed on your drawings or specifications
- Property damage or injury alleged to stem from a design flaw
- Disputes over scope, inspections or certifications
Practice policy or project policy
Most firms carry an annual practice policy covering all projects. Large projects sometimes call for a dedicated project policy with its own limits. Either way, check the contract for required limits, how long coverage must remain in force after completion, and any indemnity language broader than your policy.
Engineering disciplines we insure
- Civil and structural
- Mechanical, electrical and plumbing (MEP)
- Environmental and geotechnical
- Engineering consultants and inspectors
Frequently asked questions
Do engineers need professional liability insurance?
Most do. Project owners and contractors typically require it, and design claims can be expensive to defend.
Does general liability cover design errors?
No. General liability excludes professional services. Design errors are covered by professional liability.
What happens to coverage when a project ends?
With claims-made policies, coverage depends on having an active policy when the claim is made. Keep continuous coverage, and buy tail coverage if you close or retire.
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