Insurance for engineering firms.

Engineers professional liability, general liability, and pollution coverage for civil, structural, mechanical, electrical, and environmental firms, with the limits public contracts ask for.

What engineers usually carry

Engineers professional liability
General liability
Pollution liability
Business owner’s policy
Workers’ comp
Commercial auto
Umbrella

Watch for these in an engineering firm’s policy

What you certifySigning that work fully meets code can turn a professional opinion into a promise. Many policies exclude express warranties, so certify to your opinion instead.
PollutionGeotechnical, environmental, and wastewater work can hit the pollution exclusion on both your general and professional policies. Pollution coverage has to be added.
Condominium projectsSome policies exclude or restrict condo and tract housing work, where defect claims are frequent. Check before you sign on.
Job-site safetyIf a contract makes you responsible for site safety or the contractor’s methods, worker injury claims can land on you. Strike that language where you can.

What owners and public agencies ask engineers for

Professional liability minimumsPublic agencies usually write the limit into the contract, often $1M to $2M, and more on large projects.
Additional insured and waiver of subrogationAdditional insured on general liability and auto, and a waiver of subrogation on those and workers’ comp.
Coverage after completionContracts often require you to keep professional liability in force for years after the project closes.
Pollution limitsEnvironmental and remediation contracts ask for pollution coverage separately, with its own limit.

Questions engineers ask

Straight answers.

The questions we hear most, answered plainly.

Is our general liability enough for design work?

No. General liability for engineers usually excludes injury and damage from professional services. Professional liability is the policy that answers a design error.