Engineering Consultant Insurance: Liability & Quotes from $11

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Let's examine a couple of situations. The first is one in which you are subcontracted as a civil engineer consultant mandated with designing a city. Suppose that despite the contractor providing all the requirements and specifications, you fail to follow the specifications and end up making a decision to use medium-grade quality raw material.

Now, suppose you work as a mechanical engineering consultant, and you are brought on to help with advising on the best dye machine. Unfortunately, you end up suggesting a dye machine with the wrong measurements, which then results in the whole lot produced with the dye machine being considered waste.

In both these situations, you are held liable for making incorrect decisions. Note that by the very nature of consulting, you are expected to provide your clients with the best advice and solutions. When you fail to provide the best advice or solutions, you expose yourself to potential litigation.

Look at it this way. The wrong calculations and resulting advice could lead to the collapse of a bridge which could result in hundreds of thousands of dollars in damages. Even worse, imagine offering advice that causes the contractor to order the wrong materials. Further, what if there's miscommunication with the client in regard to changes to the scope of work? There's a likelihood of the client feeling upset.

In all these situations, by virtue of running an engineering consultancy, you expose yourself to lawsuits. The latter can be detrimental to your consultancy business which is where engineering consultant insurance comes in. This specialty insurance for engineering consultants ensures they can enjoy peace of mind while pursuing different contracts.

As you chase small domestic projects or long-term commercial contracts, the engineering consultant insurance covers you for hard-hitting claims resulting from accidents and legal disputes, as well as claims from unsatisfied clients and disgruntled members of the public. Note that while not legally mandated, most contracts make insurance requirements for engineering consultants. That means that for you to secure the contract, you have to provide proof of insurance.

Other than providing you with the prerequisites required for you to win a contract, engineering consultant insurance provides you with the peace of mind you will require to provide exemplary service. Knowing your franchise is protected even when you face legal battles is a sure way of improving your performance. Besides, as with most consultancy businesses, you simply cannot afford a hit on your reputation. In retrospect, getting engineering consultant insurance is the best move to keep your business afloat.

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Liability Insurance for Engineering Consultants 

A fallacy would be to think of consultancy, and particularly engineering consultancy, as a low-risk undertaking. You are essentially being trusted to provide advice and solutions that will transform the client's business and possibly bring them to profitability. This translates to high expectations from the client. In the event that you fail to deliver, you open yourself up to litigation. 

That's where engineering consultant liability insurance comes in. You are covered in the event that a claim is brought against your engineering consultancy. It covers the defense costs as well as the resulting fines or compensations. 

It would be best if you considered getting public liability insurance for engineering consultants which takes care of any claims of injury or property damage brought forth by a third party. This cover takes care of any compensation that ought to be made and covers the legal costs of the lawsuit. 

Suppose you work in a high-risk environment and, unfortunately, one of the other professionals you work with ends up in a work-related accident. In the likely event that the employee in question ends up suing your consultancy, you are going to be forced to pay out of pocket for the arising costs. Having employers' liability insurance protects you from this eventuality. It covers the medical costs as well as the legal costs that might arise from the lawsuit. 

Further, as you support the engineering clients you work with, they likely give you access to sensitive data. If your IT infrastructure was to be compromised or said data was to be stolen or misplaced, you are considered liable. Other than this eventuality taking a toll on your reputation, the company could sue, which would result in additional costs. That's where cyber insurance comes in. The cover provides support in the event of cybercrime and unintentional data breaches. It will cover the cost of revenue and fines. 

An additional policy you must consider getting is the directors and officers' insurance policy. The latter protects you financially against any claims that are made against any of the directors and officers who were acting in their capacity for the engineering consultancy. 

It is prudent to mention that in today's litigious environment, it would be best if you considered also getting legal expenses insurance. In the event that you were ever involved in a legal battle, you do not have to pay the legal expenses out of pocket. The legal expenses insurance ensures that your business remains financially stable even as you fight the legal battle. If you paid for some of the costs out of pocket, the policy will compensate the consultancy for any incurred costs. 


Professional Indemnity Insurance for Engineering Consultants 

Professional indemnity insurance for engineering consultants covers claims that arise as a result of the work you have completed or advice rendered. 

A typical professional liability insurance for engineering consultants will cover:

  • Negligent acts, errors, or omissions

  • Unintentional intellectual property rights infringement 

  • Breach of civil liability

  • Unintentional breach of confidentiality

  • Negligence of third-party vendors 

  • Computer viruses and other threats to the IT environment 

  • Collateral warranties 

  • Defense costs 

  • Bodily injury 

  • Property damages arising from breach of professional duty  


Overall, investing in the right PI insurance for consulting engineers protects your reputation as an engineering consultant and comprehensively covers you in the event that you are accused of errors, omissions, and negligence. 

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Engineering Consultant Insurance Cost 

Engineering consultant insurance cost $42 per month or $504 per year for a $1 million general liability coverage. The table below gives you an idea of engineering consultant insurance premiums:

Cost per MonthCost per YearBest for
NEXT$25$300Best overall; Fast general liability insurance for engineering consultants
CoverWallet$39$468Engineering consultant insurance quotes comparison online
CommercialInsurance.Net$42$504Comparing engineering consultant insurance quotes over the phone
Hiscox$45$540Engineering consultant insurance that satisfies contract requirements
The Hartford$63.08$756.96Professional liability insurance for engineering consultants



The top factors engineering consultant insurance companies consider when deciding the premiums you will pay on your engineering consultant insurance are your consultancy's size, qualifications and experience, and the type of work carried out. 

The size of contracts you take out and claims experience are also considered. Note that there is a direct relationship between the size and complexity of the job and the exposure. Further, a poor claims experience will often be taken as a reflection of the quality of the company's work, experience, staff, and internal risk management.

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Best Engineering Consultant Insurance Companies 

Your business needs will determine the engineering consultant insurance company that you go for. You might be looking for an insurance provider with personalized service. As such, you will likely be inclined towards a provider with a call center and a dedicated team to assist with your queries. 

On the other hand, you might be looking for a provider with an online system that provides the opportunity to run a personalized quotation. Alternatively, you might be looking to work with an experienced team with a wealth of experience and knowledge. 

Whatever your business needs, you will need to work with the best engineering consultant insurance companies in the market. Here's a breakdown of the best providers you must consider. Read to know their pros, cons, and rate for a $1 million general liability insurance.


NEXT Engineering Consultant Insurance


  • Best overall

  • Issues an online proof of insurance instantly

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you bundle engineering insurance policies


  • Couldn’t find any 

NEXT covers engineering consultants with its engineer insurance. Policies offered are general liability insurance, commercial property insurance, professional liability insurance, and workers compensation insurance. 

This company’s general liability insurance for consultants has a $1 million per occurrence limit with a $2 million aggregate. No deductibles apply. 

Engineering consultant’s professional liability insurance from this company has a $1 million per occurrence limit with a $1 million aggregate. 

As for commercial property insurance, NEXT allows the policy to provide a $115,000 building coverage and $25,000 contents coverage.

Best for: Best overall; Fast general liability insurance for engineering consultants

Average cost: $25 per month 

Our rating: 10/10


CoverWallet Engineering Consultant Insurance


  • You can get quotes from several insurance providers using CoverWallet's online quotes comparison tool

  • Wide variety of coverage types available 

  • Policyholders can manage their policies, pay premiums and handle claims through an online dashboard 


  • CoverWallet doesn’t underwrite the engineering consultant insurance customers can avail 

CoverWallet is an online insurance broker that provides comprehensive engineering consultant insurance to small-business owners. CoverWallet's digital wallet is simple to use, making the purchasing, management, and switching of insurance policies relatively seamless. 

Once you start working with the company, you will be able to get a variety of quotes from different insurance providers. Additionally, you can get personal advisors to help you choose the right insurance for you. 

If you are weary of design errors, bad recommendations, failure to meet deadlines, and poor project management, then consider getting CoverWallet engineering consultant insurance. From the insurer, you can get:

  • General liability coverage

  • Workers' compensation policy 

  • Business owner’s policy

  • Professional liability coverage 

Some of the features you should be on the lookout for include

  • My CoverWallet Dashboard 

  • Certificates of insurance

  • Claim filing Support 

The engineering consultant professional liability insurance from CoverWallet will cost $55 per month or $650 per year. The general liability coverage starts at $39 per month, with the business owner's policy starting at $49 per month.  

Best for: Engineering consultant insurance quotes comparison online

Average cost: $39 per month 

Our rating: 10/10


CommercialInsurance.Net Engineering Consultant Insurance


  • Compare engineering consultant insurance quotes over the phone

  • Create a customized insurance program with the help of an agent

  • Responsive customer service

  • Takes you to partners if your profile doesn’t match CommercialInsurance.Net’s underwriting appetite 


  • Doesn’t issue online quotes 

CommercialInsurance.Net provides coverage for engineering consultants. However, the company will require you to speak with a representative so that it can determine whether you match its underwriting appetite. If you’re approved to get insured, CommercialInsurance.Net will offer its general liability, commercial property, workers compensation insurance, and other policies for independent professionals. 

Call CommercialInsurance.Net now to compare engineering consultant insurance quotes over the phone and get covered. 

Best for: Comparing engineering consultant insurance quotes over the phone

Average cost: $42 per month

Our rating: 10/10


Hiscox Engineering Consultant Insurance


  • 14-day money-back guarantee

  • Worldwide coverage

  • In-house team of insurance adjusters

  • You can get covered online or with the help of an agent


  • General liability insurance for engineering consultants doesn’t have additional coverages

Similar to NEXT, Hiscox covers engineering consultants with its engineer’s insurance that offers general liability and professional liability policies. 

Hiscox’s professional liability insurance for consultants offers a $600,000-$2 million per occurrence limit with a $2 million aggregate. 

As for general liability insurance, the policy has a minimum $1 million per occurrence limit with a $2 million aggregate. 

Hiscox allows you to avail workers compensation insurance, commercial auto, and cyber liability insurance as add-ons to its engineering consultant insurance. 

Best for: Engineering consultant insurance that satisfies contract requirements 

Average cost: $45 per month 

Our rating: 9/10


The Hartford Engineering Consultant Insurance


  • Lifetime renewability for engineering consultant insurance 

  • Above-average customer satisfaction

  • Lots of coverage options are available

  • An online quote tool is available 

  • Superior financial stability  

  • Waivers of subrogation can be added to general liability insurance


  • Online quotes are not available in all states

  • The Hartford doesn't allow separate deductible amounts for property damages 

  • A potential credit check required 

The Hartford has over 200 years of experience, and as such, you are assured that they understand the unique challenges that your business faces. In this time, the insurer prides itself in having served over a million clients, meaning your business will be in good hands. Some of what's offered include:

  • General Liability 

  • Professional Liability 

  • Business Owner's Policy (BOP)

  • Workers' Compensation 

  • Business Income 

  • Data Breach 

  • Commercial Umbrella 


Note that you can get engineering consultant insurance in Puerto Rico, Guam, Canada, American Samoa, and the U.S. Virgin Islands. 

The Hartford calculates a custom quote for you depending on your claims history, type of business, coverage limits, and experience. You can get in contact with an agent by phone, or you could use The Hartford's excellent online quotation tool. The latter provides a fast and convenient means to obtain the pricing information you need. 

Best for: Professional liability insurance for engineering consultants

Average cost: $63.08 per month 

Our rating: 9/10

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