Insurance For Civil Engineers

Comprehensive Coverage to Safeguard Your Future

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Professional Indemnity Insurance Quick Quote

Why Do Civil Engineers Require Insurance?

Civil engineering is a profession that faces unique risks due to the nature of the work, which often involves both high-level decision-making and onsite activities. As such, it is crucial for civil engineers to have comprehensive insurance that covers a range of potential risks to safeguard their financial stability and professional reputation.

Professional Indemnity Insurance

Professional Indemnity (PI) insurance is essential for civil engineers. It protects against claims of negligence or breach of duty that might arise from the advice or services provided. PI insurance can cover legal costs and damages awarded against you, ensuring your financial security in the face of professional claims​​.

Public Liability Insurance

Public Liability insurance is another critical cover for civil engineers. This insurance protects you if your business activities cause injury to a third party or damage to their property. It is a fundamental requirement for engineers who interact with the public or work in environments where accidents could happen, covering potential legal fees and compensation claims​.

Did you know?

(in AUD) The total value of professional indemnity claims in the 2019 underwriting year in Australia.

(APRA, National Claims and Policies Database, December2020)

The number of professional indemnity claims paid in the 2019 underwriting year.

(APRA, National Claims and Policies Database, December2020)

The number of professional indemnity risks underwritten in Australia in 2021.

(KPMG General InsuranceInsights, December 2021)

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Business Insurance

Beyond personal liabilities, Business Insurance for civil engineers can safeguard your physical assets and equipment, which are essential for your daily operations. Coverage typically includes tools, business interruptions, and even personal accidents, ensuring that you’re protected against a range of scenarios that could otherwise disrupt your business operations.

Specific Risks and Custom Policies

Given the specific risks associated with civil engineering, such as structural failures or construction delays, it’s important to consider policies that offer tailored coverage. Engaging Coverscope you are working with insurance brokers who understand the nuances of the engineering field can help in crafting a policy that fits your specific needs, thus providing better protection against specialised risks​​.

Why Choose Specialised Brokers?

Opting for insurance brokers who specialise in engineering insurance can offer advantages such as expert risk assessment, competitive pricing, and specific coverage that generic insurers might not provide. Coverscope has a deeper understanding of the engineering industry’s challenges and can offer more relevant advice and services tailored to the needs of civil engineers.

Civil Engineer Insurance Quotes

Insurance for civil engineers is not just a regulatory requirement; it’s a critical component of risk management that provides peace of mind and financial protection. From dealing with legal claims to protecting valuable equipment, the right insurance policies enable engineers to focus on their projects without the looming worry of potential financial losses. Coverscope have knowledgeable insurance brokers who offer customised solutions that can greatly enhance the coverage effectiveness, ensuring that you, your business, and your clients are well-protected.

Is Public Liability And Professional Indemnity Required For Civil Engineers?

Yes, civil engineers should have both types of insurance. Public Liability insurance is crucial if you work on-site or have clients visiting your business premises, as it covers injuries or damages to third parties. Professional Indemnity insurance is essential for protecting against claims that could arise from the advice or services you provide, such as errors, omissions, or professional negligence.

How Much Cover Do Civil Engineers Need?

The required cover will vary depending on the size of your projects, the nature of your work, and the specific risks involved. It’s essential to assess these factors when deciding on the level of cover. Insurance providers often tailor policies based on individual business needs.

Can I Make a Claim Online?

Coverscope offers online claim filing processes, making it straightforward to submit a claim. Fill out our online form and upload the necessary documents. Alternatively, claims can be made via phone or through your Coverscope broker.

Is It possible To Modify My Coverage As My Business Evolves?

It’s generally possible to adjust your insurance coverage as your business evolves. This can be crucial for civil engineers as project sizes, types, and risks change over time. Regularly reviewing your policies with your insurance broker ensures that your coverage adequately reflects your business activities and risks.

How Do I Choose the Right Level of Coverage?

Choosing the right coverage level involves understanding the risks associated with your civil engineering projects and operations. Your Coverscope insurance broker will consider factors like the scope and scale of your projects and the value of your contracts.

What usually isn’t covered?

Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.

Policies generally won’t include cover for:


Commercial liabilities


Liabilities which results from fraud and dishonesty




Unpaid fees

Case Study

Michael is an engineer who designs the supporting foundations of a residential property. He makes an error with the site calculations – which leads to the slab cracking and damage to the property of the
owner. His company is liable for this loss, which could be anywhere between $150,000 to the full value of the house.

But, because Michael has professional indemnity insurance, he’s covered for this amount –as well as any legal expenses if the matter goes to court.

It’s important for certain businesses and industries to have professional indemnity insurance coverage. This includes, but is not limited to, the following industries. If you require assistance with obtaining professional indemnity coverage, our team of experts at Coverscope are available to help.


Civil Engineering


Construction Management


Electrical Engineering


HVAC Engineering


Acoustic Engineering


Lighting Design


Interior Design




Landscape Design


Quantity Surveying


Agriculture Consulting


Drafting & Surveying