electrical engineering insurance

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Professional Liability Insurance for Electrical Engineers

We provide professional liability insurance to electrical engineers in select states. This type of coverage is also called errors and omissions (E&O) insurance.

What do electrical engineers do?

Electrical engineers work on the analysis, testing, and design of electrical and electronic devices and systems. Specifically, they work on technologies that generate or use electricity, such as electronics, machines, communications, and computers. They are expert in the fields of electricity, electronics, and electromagnetism.

According to the Institute of Electrical and Electronics Engineers, they are also involved in emerging fields, such as life sciences, cloud computing, smart grid, and transportation electrification.

Why do electrical engineers need professional liability insurance?

Electrical engineers deal with complex issues which involve a high level of technical ability and knowledge. Because of the nature of their work, they have multiple opportunities to make an error or omission while working on a project. In the event of a lawsuit, they will have to defend their work and could be liable for large sums of money if found to have been negligent. Those working on large projects can also be included in a lawsuit, along with all other professionals involved in the project, even if no error or omission was made. In any case, legal fees tend to be significant.

It is therefore vital for electrical engineers to have professional liability insurance protection.

What protection does a professional liability policy provide?

Professional liability insurance provides protection against damages and legal fees. Professional liability policies provide coverage for claims made against engineers by reason of a negligent act, error or omission in the performance of services.

What policy limits and deductibles are available?

Electrical engineers can choose policy limits starting at $100,000/$100,000 (per claim/annual aggregate) up to policy limits of $5 million/$5 million. The most common policy limits for this type of coverage are $1 million/$1 million. Deductibles starting at $1,000 are generally available.

We provide professional liability coverage in the following states
Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Washington, Wisconsin, Wyoming.