Engineering Firm Insurance

Engineering firms carry enormous professional liability exposure. A structural calculation error, environmental oversight, or geotechnical failure can result in catastrophic damages and multi-million dollar claims. The right insurance program is critical.

Essential Engineering Coverages

Professional Liability (E&O)

Covers claims arising from design errors, calculation mistakes, failed inspections, environmental assessments, and project management negligence. This is your most important coverage.

General Liability

Covers bodily injury and property damage during site visits, field inspections, and office operations.

Pollution Liability

Essential for environmental engineers — covers claims from environmental assessments, remediation oversight, and contamination incidents.

Engineering E&O by Discipline

Discipline	Key Risks	Typical E&O Cost
Civil / Structural	Design failures, load calculations	$3,000–$10,000/yr
Environmental	Contamination, EPA violations	$5,000–$15,000/yr
Mechanical / HVAC	System failures, energy modeling	$2,500–$8,000/yr
Electrical	Fire risk, code violations	$2,500–$8,000/yr
Geotechnical	Soil analysis errors, foundation failures	$4,000–$12,000/yr

Common Engineering Claims

Structural design errors causing failures or collapses
Environmental assessment oversights
Cost estimation errors on major projects
Inspection and testing failures
Foundation and geotechnical miscalculations
Code compliance oversights