Professional Liability Insurance for Engineers

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Professional Indemnity Insurance for Engineers

Professional liability insurance for engineersEngineering firms and business owners work closely with clients to design various types of projects. Sometimes, this kind of work can lead to mistakes. When it does and results in a client suffering a financial loss, they can sue your business. That’s why professional liability insurance for engineers is important.
Professional liability insurance helps protect your business and design professionals from lawsuits related to the professional services given. You may have heard other names for this coverage, such as:
  • Professional indemnity insurance for engineers
  • Errors and omissions insurance for professional engineers
  • E&O insurance for engineers
This type of business insurance is important to have. Even if you don’t make a mistake in your professional engineering services, you can still get sued. And without coverage, you may be responsible for costly claims costs.

What Is Covered By Errors and Omissions Insurance for Professional Engineers?

Professional liability insurance for engineers can help cover claims of:
  • Inaccurate advice
  • Misrepresentation
  • Negligence
  • Failure to protect personally identifiable information (PII)
If your engineering business gets sued, this coverage can help pay for your:
  • Legal costs
  • Defense fees
  • Judgments
  • Settlements
Engineer professional liability insurance can help your business if:
  • A building was constructed incorrectly because you had the wrong dimensions in your blueprint.
  • Your client’s storage building collapsed because of your firm’s design.
  • Your engineer gives inaccurate advice after not fully inspecting a property before construction.

What Other Kinds of Insurance Do Engineers Need?

Professional liability insurance cost for engineersProfessional liability insurance for engineers doesn’t cover every kind of claim. You’ll need to have other types of business insurance for engineers to get comprehensive coverage. Some types of insurance you may want to consider are:
General liability insurance to help protect your business from claims that it caused:
  • Property damage to someone’s belongings
  • Lesiones corporales
  • Personal injury, like libel or slander
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. This coverage gives benefits that can help pay for:
  • Medical bills
  • Ongoing care costs, like surgeries or physical therapy
  • Lost wages
Commercial property insurance, which helps protect your owned or rented building and business property used to operate your business. This includes:
  • Computers
  • Flashlight
  • Jacks
  • Hammers
  • Levels
  • Personal protective equipment
  • Wrenches
  • Saws
Commercial auto insurance to help protect you and your employees on the road if you drive a company-owned vehicle for work.

How Much Does Professional Liability Insurance Cost for Engineers?

Every business is unique, so the professional liability insurance cost for engineers varies. You may pay between $300 and $4,000 a year for professional liability insurance, but your specific cost depends on different factors. Insurance companies can use these factors to determine costs:
  • Límites de la cobertura
  • Monto deducible
  • Years in business
  • Claims history
The best way to find out your engineering business’ coverage cost is to get a professional liability insurance quote.

Get a Quote for Professional Liability Insurance for Engineers

Professional indemnity insurance for engineersWhen it comes to protecting your business, it’s important to partner with an experienced insurance carrier that you can trust. We know every business is different and faces unique risks. That’s why our specialists work with you to get the coverages that are right for your business. Whether you have questions about professional liability insurance or how to file a claim, we’ve got your back.
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