Professional Liability Insurance for Engineers
We provide professional liability insurance to engineers in select states. We work with multiple 'A' rated insurance companies which offer professional liability coverage to all types of engineers, from the low-risk specialties, such as electrical, up to the riskiest specialties, such as structural and geotechnical. Even if you had claims in the past five years and are having trouble finding coverage, we can help.
Why do engineers need professional liability insurance?
Engineers deal with complex issues which involve a high level of technical ability and knowledge. Because of the nature of their work, engineers have multiple opportunities to make an error or omission while working on a project. In the event of a lawsuit, engineers will have to defend their work and could be liable for large sums of money if found to have been negligent. 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 engineers to have professional liability insurance protection.
What protection does a professional liability insurance policy provide?
Professional liability insurance provides engineers with protection against damages and legal fees. Professional liability insurance policies provide coverage for claims made by reason of a negligent act, error or omission in the performance of professional services.
How can you help engineers secure professional liability insurance?
We’re brokers and have access to multiple insurance companies that offer professional liability coverage to engineers. The first step in obtaining professional liability coverage is to complete an application. Once we receive your application, we will first review it for completeness and clarity and then we will send it to various insurance companies to request quotes. Once your professional liability quotes come in, we will present them to you, along with a specimen copy of the insurance policy, so that you can make an informed decision.
What type of work do engineers do?
Engineers use science, mathematics, and creativity to design and build things that improve peoples' lives. Engineers must have a bachelor's degree from an accredited university. Engineers must also pass specific examinations and must be licensed by their state.
There are many types of engineering specialties, including but not limited to the following:
Civil: Deals with the design, construction, and maintenance of projects such as buildings, roads, bridges, tunnels, dams, canals, and airports.
Structural: Deals with the design and analysis of structures which must withstand weight or force, such as retaining walls, buildings, bridges, dams, and tunnels.
Geotechnical: Deals with the design and construction of projects such as foundations, slopes, and retaining structures which involve earth materials, including soil, rock, and groundwater.
Mechanical: Deals with the design, manufacturing, and testing of mechanical systems.
Electrical: Deals with the analysis, testing, and design of electrical and electronic devices and systems.
Transportation: Deals with the design, operation and management of transportation facilities such as highways, streets, railroads, mass transit, and airfields.
Chemical: Uses chemical reactions to convert chemicals and raw products into more useful products.
Environmental: Uses the principles of engineering to protect human health and the environment by improving the quality of air, water, land and by cleaning up polluted sites.
Materials: Deals with the analysis and development of materials which are used to create various products.
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