Why do land surveyors need insurance?
If a client trips over your surveying equipment and breaks a wrist, or you make a mistake while staking a property line, you could be sued. Land surveyor insurance can pay for legal expenses, including any settlements or judgments. It also covers the cost of employee injuries, theft, and other risks.
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Which business insurance policies does a land surveyor need?
These policies cover the most common risks faced by land surveyors.
General liability insurance
A general liability policy covers basic third-party risks, such as a homeowner tripping over your tripod and suffering an injury. It's often required for a commercial lease.
- Slip-and-fall accidents
- Damaged customer property
- Libel, slander, and copyright lawsuits
Business owner’s policy
A business owner’s policy, or BOP, is a cost-effective way for land surveyors to buy commercial property insurance and general liability coverage together.
- Customer bodily injuries
- Damaged customer property
- Business property damage and theft
Professional liability insurance
Professional liability policies cover legal defense costs when a client sues a land surveyor over an error or unsatisfactory work. It’s also called errors and omissions insurance or E&O insurance.
- Mistakes in property boundaries
- Professional negligence
- Undelivered professional services
Workers’ compensation insurance
Workers’ comp is required in almost every state for land surveying businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Inland marine insurance
Inland marine insurance protects expensive surveyor equipment while it's on the move, such as optical levels, magnetic locators, tripods, and theodolites.
- Surveying equipment in transit
- Equipment stored at off-site locations
- Expensive equipment
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.
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
How much does business insurance cost for land surveyors?
A small land surveying business will pay less for insurance than a larger company.
Factors that affect land surveyor insurance premiums include:
- Surveying services offered (elevation, route, site plan, etc.)
- Business property and equipment
- Number of employees
- Business income
- Location
- Years of experience
- Types of insurance purchased
- Policy limits and deductibles
How do I get land surveyor insurance?
It's easy to get land surveyor business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. 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 insurance agents work with top-rated U.S. providers to find the right insurance coverage for your land surveying business, whether you work independently or hire employees.
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