Professional Indemnity
For covered allegations arising from advice, design, calculations, specifications, reports and certification.
Civil engineers
Insurance for civil engineers.
Professional Indemnity and business insurance advice for firms working across infrastructure, land development, water, transport and related projects.
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What matters
The work needs to be described clearly
Civil engineering businesses can span several risk categories. A useful submission separates the activities performed and explains the business’s responsibility within each project.
- Land development and subdivisions
- Roads, pavements and transport infrastructure
- Stormwater, drainage, water and sewer systems
- Retaining structures and earthworks
- Bridges, tunnels and public infrastructure
- Inspections, reports, certification and project management
Underwriting view
What can influence the terms?
Civil engineering spans distinct activities and project responsibilities. Clear information helps an insurer assess the actual work rather than relying on a broad occupation label.
01Fee split across each activity
02Typical and maximum project values
03Infrastructure and major-project exposure
04Design, inspection and certification responsibility
05Design-and-construct obligations
06Subconsultants and overseas work
Covers commonly considered
Protection around the whole practice.
Public & Products Liability
For certain third-party injury and property-damage claims connected with business activities and site visits.
Cyber insurance
For selected cyber incidents, privacy events, response costs and interruption exposures, depending on the cover.
Business & equipment
For office contents, portable equipment and other insured property exposures where required.
Prepare the submission
Information worth having ready.
The clearer the activity and project information, the easier it is to approach suitable insurers efficiently.
- A clear description of every service
- Revenue or fees by discipline and activity
- Project types and maximum values
- Details of certification or sign-off work
- Current policy schedule and claims information
- Contracts where insurance obligations need review
We can provide a high-level review of insurance requirements. Broader legal or contractual advice should be obtained from an appropriately qualified adviser.
Useful guides
Go deeper when you need to.
Choosing a Professional Indemnity limit
Defence costs inside or outside the limit
Retroactive cover and prior work
Insurance requirements in engineering contracts
Civil engineering FAQs
Questions we are often asked.
Different civil engineering activities can produce different claim frequency and severity. A breakdown helps the insurer understand the actual risk.
Project values can indicate the potential financial consequences of an error and the scale of responsibility being accepted.
Contracting, construction or installation activities should be disclosed separately. They may create exposures that are not addressed by a consulting engineer’s Professional Indemnity policy alone.
Next step
Tell us what your engineering business does.
The clearer the activity information, the more accurately insurers can assess the risk.
A simpler first step
Not ready for a quote? Start a conversation.
Start a conversation
Request a callback.
Share the essentials and the team can get in touch. There is no need to complete a full proposal form.