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Engineers design and develop various machines, materials, instruments, structures, processes and systems for their clients. They work on projects independently or as members of engineering service companies. Their work may involve conducting studies, preparing plans and designs, supervising projects during construction or installation processes, inspecting and evaluating projects, testing products and performing maintenance.

General Liability Insurance for Engineers and Engineering Services – Customers may visit engineers’ offices on occasion and therefore may be subject to injuries if the workplaces are hazardous. Walk spaces between objects such as furniture, displays, and walls should be adequate for easy passage and no electrical or phone wires should transverse walkways. If wires must transverse walkways, mats or tape should secure them. Since engineers often visit job sites and the workplaces of clients, there is the chance that harm could be inflicted upon third parties while engineers are engaged in off-site work activities.

Professional Liability (Errors and Omissions) Insurance for Engineers and Engineering Services – The risk of lawsuits occurring due to engineering errors is high. Engineers’ projects include large structures such as bridges and overpasses, and mistakes could result in the injury or death of others.

Workers’ Compensation Insurance for Engineers and Engineering Services – Engineers and other workers in engineering services may face repetitive motion injuries in their offices. Engineers and employees of engineering services should maintain the correct positioning and posture while working at their desks and they should use appropriate ergonomically designed aids to help in prevention. They may also be subject to injuries during visits to job sites. These risks are increased if workers do not wear gear to protect themselves in hazardous conditions.

Business Auto Insurance for Engineers and Engineering Services – Engineers usually drive vehicles, which are typically passenger cars and pickups, to job sites. This results
in a risk of automobile accidents for engineers and engineering services. An outside contractor should complete vehicle maintenance and inspections on all company vehicles.

Property Insurance for Engineers and Engineering Services – There is a chance of fire in engineers’ offices, as there is in any office. Important papers and items that could be damaged or lost include customers’ records, computers with specialized software, drawing equipment, and other tools and equipment that may be used at building sites. Burglary is also a risk for engineering services. The same risk management controls that are referenced in the Crime section should be implemented to protect against theft of contents, equipment, supplies, and computer equipment.

Crime Insurance for Engineers and Engineering Services – Engineers and other employees of engineering services may commit crimes that involve stealing from their employers. Burglars may also steal money and securities from engineers and engineering services. Central station alarms should be in place and designed with contact point triggers on all opening windows and doors in addition to having motion detectors and glass breakage detectors in place.