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Why do engineers need insurance?
In engineering, one simple mistake can cause a project to veer off course, resulting in delays or other serious issues. Professional liability insurance, workers' compensation, and other policies provide the financial protection engineers need against client lawsuits, injuries, and other risks.
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Engineers can save money by comparing quotes from top-rated insurance companies.
Fill out Insureon's easy online application to get free quotes and expert advice from a licensed insurance agent.
What types of business insurance do engineers need?
These insurance policies cover the most common risks faced by engineers.
General liability insurance
A general liability insurance policy covers basic risks, such as customer property damage and bodily injuries. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Other personal injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's one of the most cost-effective types of insurance for engineers.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Professional liability insurance
Professional liability coverage helps pay for legal costs related to the quality of your work, such as a project delay that costs a client money. It's also called errors and omissions insurance or E&O insurance.
BEST FOR
- Design errors
- Professional negligence claims
- Cost overrun
Workers’ compensation insurance
Workers’ comp is required in almost every state for engineering firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Cyber insurance
This policy helps engineers recover from data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive information.
BEST FOR
- Client notification expenses
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
This policy helps cover the cost of property damage and injuries in an accident involving your business vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does business insurance cost for engineers?
An engineer who works as an independent contractor will pay less for insurance than a large engineering firm.
Factors that affect premiums include:
- Business type, such as structural engineer, civil engineer, or electrical engineer
- Business property and equipment
- Business revenue
- Types of insurance purchased
- Coverage limits and deductibles
How do I get engineer insurance coverage?
It's easy to get engineering business insurance and surety bonds if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as the number of employees and the type of engineering services you offer. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your engineering business, whether you work independently or hire employees.
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