Business Insurance for Engineers

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Engineers are responsible for complex design and planning work. If you make a mistake, a client could sue. Engineering insurance can help pay legal defense fees and other unexpected costs.

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Insureon helps engineers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do engineers need?

These policies provide coverage for common risks in the engineering industry.

General liability insurance icon

General liability insurance

General liability insurance covers basic risks, such as customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability insurance in one plan. A BOP is often one of the most cost-effective types of insurance for engineers.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

Also called errors and omissions insurance (E&O), this policy is important for engineers and other design professionals. It covers legal costs related to work performance.

  • Design errors
  • Accusations of negligence
  • Contract disputes
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for engineering businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Looking for different coverage? See more policies.

Why do engineers need insurance?

In engineering, one small mistake can cause a project to veer off course, resulting in delays or other serious issues. Other risks include client injuries at your office, or employee injuries at a job site. Engineer liability insurance, workers' compensation, and other policies provide the protection engineers need against client lawsuits, medical bills, and more.

How much does engineering insurance cost?

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Several factors will have an impact on insurance costs, including:

  • Type of engineering services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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