Professional Liability Insurance (E&O) for Mechanical Engineers

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

What do mechanical engineers do?

Mechanical engineers analyze and design objects and systems that convert energy into movement.

Mechanical engineers work on the design, manufacturing, and testing of mechanical systems, including engines, aircrafts, turbines, HVAC systems, and robotic systems. Mechanical engineers are expert in machine design, mechanics, fluid flow, energy systems, heat transfer and thermodynamics.

Mechanical engineering is a very wide and diverse branch and has multiple technical divisions. The American Society of Mechanical Engineers lists 42 such divisions, including applied mechanics, internal combustion engine, nuclear engineering, solar energy, aerospace, and design engineering.

Why do mechanical engineers need professional liability insurance?

Mechanical engineers deal with complex issues which involve a high level of technical ability and knowledge. Because of the nature of their work, mechanical engineers have multiple opportunities to make an error or omission while working on a project. In the event of a lawsuit, mechanical engineers will have to defend their work and could be liable for large sums of money if found to have been negligent. Mechanical engineers 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 mechanical engineers to have professional liability insurance protection.

What protection does a professional liability insurance policy provide?

Professional liability insurance provides mechanical engineers with 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?

Professional liability policy coverage starts at $100,000/$100,000 (per claim/annual aggregate) up to policy limits of $5 million/$5 million. The most common policy limits for professional liability coverage are $1 million/$1 million. Deductibles starting at $1,000 are generally available.