Engineering insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Engineering Insurance?
Being an engineer means knowing how things work inside out and backward. You know how to build something and ensure that the final product is functioning as intended. But when it comes to small business insurance, that may be an area that leaves you scratching your head.
Below are some of the most common types of insurance policies that engineers carry to stay protected.
What Type of Engineering Insurance Do I Need?
From
$25.83
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Kind of Insurance Do Engineers Need?
Insurance for engineers can include various policies that can protect you from everyday risks and liabilities you may come across in your line of work.
When building your engineer business insurance coverage, we may suggest these three core policies as part of your overall plan:
Professional Liability Insurance
No matter what type of engineer you are, you probably spend some portion of your time working directly with clients or vendors. Your clients and vendors seek your expertise and knowledge to build a product that works.
But mistakes can happen — no matter how careful or experienced you are as an engineer.
That’s why it’s critical to have professional liability (PL) insurance on your side.
Professional liability insurance for engineers can cover you and your business if a client claims that you were negligent in providing your services. Also, if you have employees, engineer PL insurance can potentially cover them, too.
So how does professional liability insurance function in a real-world setting?
Imagine that while working on a project, you make a mistake while testing a safety element of the design. It ends up failing and causing the client a financial loss.
What are you supposed to do?
Luckily, if you have professional liability insurance, it may cover the cost of the damage and your client’s financial hardship. This type of insurance protection means that you likely won’t have to use your savings to cover associated fees.
In short, here’s what professional liability insurance for engineers can cover:
- Negligence or alleged negligence
- Legal defense costs
- Omissions or alleged omissions
- Claims and damages
- And more
Here’s what PL insurance usually doesn’t cover:
- Intentional acts and omissions
- Property damage
- Medical expenses
- Bodily injury
- And more
Commercial General Liability Insurance
If you have an office or space you rent where clients meet with you to discuss projects, you’ll likely need commercial general liability insurance. This policy — also known as GL insurance — can cover the costs of incidents like third-party accidents, property damage, and bodily injury to a third party (e.g., a client or vendor).
GL insurance is considered a foundational insurance policy for engineers as it can protect you from major claims and costs. Did you know that the average customer injury or damage claim, something that general liability insurance covers, is $30,000?
This means that without general liability coverage, you may be at risk of paying for those costs yourself.
How does general liability insurance function for engineers?
For example, say that while working on a job site, you knock over some of your client’s tools and damage them. Your client is furious and demands that you pay for replacement tools. Your general liability insurance typically would be able to cover the cost of replacing the tools and legal fees if your client sues you.
To summarize, here’s what general liability insurance typically can cover:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Now here’s what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Motor vehicles while in business use
- Expected or intentional injury or damage
- And more
Workers Compensation Insurance
If you have any full-time, part-time, or even temporary workers on your team, you may be required to carry workers compensation insurance. This type of insurance can cover the costs related to an employee’s injury or illness while on the job.
Most states require business owners with employees to have some form of workers compensation coverage; check to verify your state’s laws.
Carrying workers compensation insurance can be a vital part of running your engineering firm. Plus, with the average work injury cost being $41,000, it’s a smart business decision to have this coverage included in your comprehensive policy — even if you have only a few employees.
To recap, here’s what workers compensation for engineers can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Insurance for My Engineering Firm?
You know the importance of making sure each part of a product or design functions properly. Without the proper protections in place, the design can potentially fail.
The same can be said for small businesses. If you aren’t protected against significant claims and costs, they could be devastating to the health of your business.
Still not sure?
The truth is, insurance for engineers can be an essential part of reducing the liabilities you’re exposed to, even if you’re just starting. What happens if a client meets you at your office, trips, and falls? Or if you make a mistake with a design and as a result, your client faces serious financial issues?
Though we can minimize the risks we face, it doesn’t mean they can’t happen. Here are some of the most common incidents that can happen to small business owners, including their average costs:
- Reputational Harm: $50,000
- Client Injury or Damage: $30,000
- Client Slip and Fall: $20,000
As mentioned before, those costs could do serious harm to a small business. However, if you have protection with engineer insurance, your policy could cover some or all of the costs of claims or lawsuits you may face.
Speaking of lawsuits, did you know that up to 43% of small business owners polled reported being threatened with or involved in a civil lawsuit?
In other words, your client could sue you for claims of negligence or damage they’ve experienced from your services — even if you did everything correctly.
Don’t leave your business up to chance. At Simply Business, we make it easy to find the best insurance policy at the right price. Just answer a few questions about your business, and you can start comparing free quotes from top insurers across the country.
Plus, we can provide a certificate of insurance (COI), so you can show proof of coverage to clients, vendors, and more.
What Does Engineering Insurance Cost
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Get a quick estimate in just 3 steps.
Answers to More Engineering Insurance Coverage Questions
Because engineer insurance can be a bundle of policies, you may be required to carry some coverage, but not others.
For instance, perhaps your state requires you to carry workers compensation if you have employees, but not general liability insurance.
In general, engineer insurance premiums are income tax-deductible by the IRS. We recommend speaking to an accountant if you have questions about your specific business’s deductible expenses, though.
The amount of coverage your business may need will depend on a few factors:
- The size of your business
- Your business’s location
- Your annual revenue and payroll
- And more
If you aren’t sure what type of insurance coverage you need, our quote form is built to recommend insurance plan options for you.
If you have questions, our licensed insurance agents are available to assist you.
If you’re ready to check out your free quotes, it’s a good idea to have the following information available to make the process as fast as possible:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
It may, as your state may have different insurance requirements for engineers than other states (especially regarding workers compensation).
That’s why our quote process is important when shopping for an insurance plan. Our questions can narrow down policy options for you, based on your needs and information you provide, as well as any requirements your state may have concerning insurance protection.
Engineer insurance depends on the policies you need to meet your business’s needs. If you opt for both core policies — general liability and workers compensation — your insurance plan can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Negligence or alleged negligence
- And more
The cost of engineer insurance varies, depending on your business and its unique needs. For the most part, you can expect your insurance premiums to be determined by:
- The number of employees you have (including part-time and consultants)
- Your location
- Payroll
- Revenue
- And more
Ready to see how much your engineer insurance may cost? Just click here and get free quotes from top insurers in the country.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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