Design/Engineering Insurance
Reliable Protection for the People Who Bring Ideas to Life
What Is Design/Engineering Insurance?
Design & Engineering Insurance is specialized protection for professionals who create plans, models, systems, or technical solutions—such as architects, engineers, draftsmen, CAD designers, structural engineers, civil engineers, interior designers, landscape architects, and consultants.
This insurance helps safeguard your business from risks tied to design errors, project delays, oversight issues, miscommunications, and technical mistakes. It also protects your office, digital files, specialized equipment, and client data. Whether you’re designing buildings, systems, or spaces, this coverage ensures your work and your business are protected from start to finish.
Why Do You Need It?
Design and engineering work comes with high levels of responsibility and scrutiny. Even a small error—an incorrect measurement, a design flaw, or a misinterpreted specification—can result in costly claims, project delays, or structural issues. These claims can be financially devastating without the proper protection. Additionally, many clients and contractors require professional liability coverage before hiring or partnering with your firm.
Design & Engineering Insurance protects you from legal expenses, professional liability claims, data breaches, and property damage. With the right coverage, you can work confidently, uphold your reputation, and maintain strong client relationships.
Types of Design/Engineering Insurance
Professional Liability (Errors & Omissions) – Covers claims related to design mistakes, omissions, incorrect specifications, or flawed professional advice.
General Liability Insurance – Protects against injuries or property damage that occur at your office or during site visits.
Commercial Property Insurance – Protects your office, documents, plans, equipment, and technology from fire, theft, or vandalism.
Cyber Liability Insurance – Covers data breaches, compromised digital files, hacked design systems, or stolen client information.
Business Interruption Insurance – Helps replace lost income if your office must temporarily shut down due to a covered event.
Workers’ Compensation – Provides coverage for employees injured during office work, field inspections, or site visits.
Employment Practices Liability Insurance (EPLI) – Protects against claims related to hiring, workplace conduct, or wrongful termination.
Commercial Auto Insurance – Covers vehicles used for travel to job sites, inspections, or client meetings.
Equipment Breakdown Coverage – Covers repairs or replacement for specialized design and engineering equipment such as servers, plotters, scanners, or testing devices.
Contractual Liability Coverage – Protects your business when entering into design contracts that require specific liability assumptions.