Engineering Insurance

You can save up to 25% on engineer insurance.*

Choose your primary coverage to get started:

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Engineering insurance can help protect you from:

Allegations of professional mistakes

A client accuses you of making a professional mistake or missing a deadline that causes them a financial loss.**

The cost of damaged business equipment

Your work space, furniture, laptops and building are damaged from theft, vandalism or fire and need replacing.

Legal fees and the expense of your defense

You need an attorney to defend your business in a lawsuit after a claim.

Get professional engineer insurance that’s fast, easy and affordable

NEXT specializes in small business insurance. Engineering insurance policies can help protect you, your company and your employees from the cost of unexpected events.

NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for engineering consultants

Engineering insurance is usually several types of policies to help protect you, your business and your professional services from different types of business risks. Your coverage may include:

General Liability insurance

Protection for damage to other people's property and injuries to non-employees

General liability insurance coverage can help protect your engineering business if a client is injured during a site visit or your team accidentally damages a client’s property. Many clients and project owners require general liability coverage for engineering.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Professional Liability insurance (E&O insurance) for engineers

To help protect you from the cost of professional mistakes

Engineering professional liability insurance, also called errors and omissions insurance or E&O, can help protect your business if a client claims your work caused them a financial loss. If a design error or miscalculation leads to project delays, this coverage can help pay for legal defense costs or additional work.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers’ Compensation insurance

For employee work-related injury and illness

Workers’ compensation insurance can help cover medical bills and lost wages if an employee gets hurt or sick while working. It’s required in most states for businesses with employees. You can include business owner’s coverage for yourself as an optional add-on.

workers compensation can help you pay for:

Medical bills

Lost wages during recovery

Employer liability

Commercial Property insurance

For business owners who own or rent physical spaces

Commercial property insurance can help protect your office space and the engineering equipment and computers inside if they’re damaged by a covered event like a fire or theft. It can also help cover lost business income if you have to close for repairs temporarily.

commercial property can help you pay for:

Damaged equipment and inventory in your office or work space

Lost income

Repairs to your office or work space

Cyber Liability insurance

To help protect against the costs of data leaks and cybercrime

If private digital files, including blueprints and client data, are stolen or compromised by hackers who breach your data security, cyber liability insurance can help you cover costs to retrieve and safeguard your data, notify clients and restore your business operations.

cyber liability can help you pay for:

Data breaches

Cyber attacks

System failures

Save up to 25% in discounts on engineering insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$250,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does professional engineer insurance cost?

Premiums for engineering business insurance are more affordable than you might think. The exact price you’ll pay for your engineer insurance cost depends on a number of factors, including:

The type of work you do.
The types of clients you have.
Your business location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for engineers help your business?

You might need engineer insurance to help your business:

Cover the cost of professional mistakes. Engineer professional liability insurance (E&O insurance) can help your defense if you’re accused of an error that costs a client money.
Protect your office and equipment. Business property insurance can help repair buildings or replace the business equipment inside from fire, theft, vandalism or other covered damages.
Meet client requirements. Many project owners require general liability insurance before work begins to help protect against injuries or property damage.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.