General Liability Insurance for Architects and Engineers

You can save up to 25% in discounts.*

How does General Liability protect architects and engineers?

General liability insurance helps to protect your business from common risks in the architects and engineering industry. For example, if someone tripped on the steps leading into an engineer’s office, general liability insurance would help pay for medical expenses and legal fees. And if an architect accidentally knocked over a vase when taking measurements for a client’s home renovations, this insurance can help cover costs to repair or replace it.

In addition, engineers and architects are sometimes required to have general liability insurance in order to obtain a professional license or bid on projects. Among small businesses and self-employed professionals, this is the most common type of insurance.

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Why do engineers and architects need General Liability insurance?

Engineers and architects often contribute to projects with a high degree of safety involved, so getting everything right is essential. But even if you’re meticulous in your work, there’s always the risk that something might not go according to plan.

General liability insurance gives you peace of mind that you’ll be covered if an accident happens. Instead of paying out of pocket, your insurance helps pay for the unforeseen costs so you can stay focused on getting the job done. This helps your business remain financially stable since a single accident can result in thousands of dollars in expenses if you don’t have insurance.

For architects and engineers, general liability insurance is also important for securing jobs. Most clients require that you have it, and you may need to submit a certificate of insurance in order to secure an engineering license.

What does General Liability cover for architects and engineers?

Engineers and architects sometimes spend time on clients’ property or work with machinery and heavy equipment. Should an accident occur at work, you may be held accountable for any resulting expenses.

For example, if you accidentally damage an expensive piece of art while drawing up plans at a client’s home, general liability insurance could help to cover the cost of a repair or replacement.

An engineering liability insurance policy can help cover a variety of costs, such as:

  • Injuries to people who are not employees
  • Damage to someone else’s property
  • Accusations of libel and slander

Learn more about what general liability insurance covers.

What are some common risks faced by architects and engineers?

Here are some of the common risks architects and engineers could be exposed to at work:

Damage to someone’s property

While visiting a job site, you accidentally knock over a piece of expensive equipment. General liability insurance can help cover the costs to repair or replace someone else’s property.

Accidents that hurt someone

When a client comes to your office for an engineering consultation, they slip and fall on a wet floor. General liability coverage can help pay for medical expenses and legal fees up to your policy limit.

Note that this coverage excludes accidents that hurt yourself or an employee. You’ll need workers’ compensation insurance to cover those incidents.

Court and legal fees

A client claims that your work was done improperly, causing them thousands of dollars. With general liability insurance, engineers can get help covering the legal fees.

Libel, slander and defamation

You mention a competing engineering firm on social media, implying that their work is inferior. General liability insurance could help protect you from the legal costs if the business owner sues you.

How much does General Liability insurance for engineers & architects cost?

NEXT customizes each general liability insurance policy to make sure you get the right coverage for your business.

General liability can cost as little as $11 per month at NEXT. Although 44% of our customers pay $66 to $85 monthly, the median cost for architects and engineers liability insurance is just $25 per month since this line of work has limited risks compared to many other jobs.**

Some of the factors which affect architect or engineering liability insurance costs include:

  • How many employees you have
  • How long you’ve been in business
  • The state where you work
  • Your claims history
  • How high you set your limit

How can architects and engineers save money on General Liability insurance?

While cheap general liability insurance for architects and engineers isn’t always possible if you want sufficient coverage, you can do several things to lower your premium rates, such as:

Keep your risk level low

A safety and training plan can help to limit the likelihood of accidents and claims that could eventually raise your insurance costs.

Learn from previous claims

Look at your previous claims (if you have any) and see out what you could have done to avoid those risks.

Pick the right limits and deductible

Lower limits will save you money, but you will have higher exposure to risks if you don’t get enough coverage. And if you choose a higher deductible, you will pay less for the policy (a deductible is the amount of money you pay before your insurance policy kicks in).

Bundle more than one policy

You can save up to 10% if you purchase more than one type of coverage with NEXT. For example, if you buy a commercial property policy and general liability policy, you could save on your insurance costs.

NEXT offers tailored business insurance for architects and engineers

NEXT makes it easy to find insurance for architects and engineers, civil engineers, structural engineers, architects, interior designers and other types of small businesses. Our simple and straightforward services help you find the coverage that’s right for you while keeping your architect or engineer liability insurance costs low.

Everything can be done online in just a few minutes. Use your computer or mobile device to apply, compare insurance options, purchase coverage and get a certificate of insurance.

Get an instant quote online today.

More about General Liability and Engineers insurance

We specialize in business insurance for architects and engineers

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Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
**The cost data presented here are based on minimum price, which is based on general liability insurance’s lowest monthly price for engineering businesses operating in Texas. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.