Environmental engineers help reverse the drastic effects of pollution on the environment. Risks are present as you work. For example, someone might file a claim for inaccurate advice while you’re functioning as an environmental consultant for a construction project. It’s also possible for your assistants to sustain injuries or illnesses due to chemical exposure.
What environmental engineer insurance policies do you need before taking that first pay cheque? Read on to learn about the available policies, how they will benefit you, their rates, and the best insurance companies to purchase these policies from.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
General liability insurance for environmental engineers covers expenses if a third party files a claim for bodily injuries or property damage. It also provides financial immunity if the following claims are filed against your business; reputational harm, copyright infringement, and advertising injury. Your commercial property, professional mistakes, and employees' work-related bodily injuries or illnesses are not covered.
It's $1,000,000 per occurrence and $2,000,000 aggregate. Per occurrence coverage limit is the maximum amount an insurer will pay you for a single claim. The aggregate limit is the amount an insurer will pay you for all the total claims within the policy period.
Excess liability insurance–If your business is exposed to a wide range of risks and you feel like your general liability insurance will not be able to cover an unprecedented risk we recommend that you purchase this add-on. It will provide you with a financial backup in the event the coverage of general liability insurance gets exhausted
Pollution liability insurance–If you are found liable for unintentionally polluting the environment, then an insurer will cover all the legal expenses, clean up and land reclamation services costs your business may be subjected to. This add-on also covers third-party bodily injury and property damage liabilities
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Yes | No |
| Deductible | $500 | $500 | $500 | $500 | $500 |
Professional liability insurance, also known as errors and omissions insurance protects you from any legal liability you may be subjected to due to negligence, breach of contract, or violation of good faith while providing your services to a third party.
Professional liability insurance protects against the following claims: provision of misleading information, breach of contract, gross professional misconduct, and failure to deliver your services at the specified date and time.
It’s approximately $10,000,000. The risks you are exposed to, the approximate number of clients you serve, and the underwriting guidelines determine the limits.
Tail coverage–Tail coverage protects you from any financial responsibilities you may be liable to even after your policy period has ended or expired
Prior acts coverage–This is the exact opposite of the tail coverage. Under this add-on, you are exempted from any financial burden you may be subjected to if you are found liable for a claim that was reported before your professional liability insurance became effective
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| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $340,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
This business insurance policy exempts you from incurring the cost of rebuilding your commercial property, whether owned or rented, in the event it's destroyed or damaged by fire, theft, vandalism, and certain weather conditions such as lightning and windstorms.
It also provides you with financial aid for replacing and repairing your damaged business physical assets that were stored or kept in your commercial building. Please note that this policy doesn't provide coverage for commercial property that is destroyed by floods, terrorist acts, or due to vermin and pest infestation.
The payouts for commercial property insurance range between $10,000 to $1,000,000. This coverage limit is determined by the size of your commercial building, its location, and the safety measure you have put in place to safeguard your building if the insured risk occurs.
Earthquake insurance–You can use this add-on in the event your commercial building and the contents in it get destroyed by an earthquake
Business interruption insurance–If you are unable to conduct your income-generating activities following the destruction of your commercial property, then you can use this add-on to cover lost revenues, employee wages, loans, mortgage, and utility bills
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
This bundled commercial policy comprises general liability insurance, commercial property insurance, and business interruption insurance.
A BOP covers these perils; costs of repairing your damaged commercial building, and legal expenses following a lawsuit from your client or another legal business entity accusing you of alleged bodily injuries, property damage, reputational harm, advertisement injury, and copyright infringement.
It also compensates for the loss of income due to the disruption of your revenue-generating activities. And if you cannot pay your employees' salaries or rent for your commercial premises, then your insurer will use your coverage limits for this policy to do so.
It’s approximately $1,000,000 for the general liability coverage and $25,000-$60,000 for the commercial property coverage.
Employee dishonesty insurance–If you are subjected to a financial loss following your employee's fraudulent activities, then you can use this add-on for financial compensation
Product liability insurance–If you distribute, manufacture, or sell environmental engineer-related products then we recommend that you purchase this add-on as it may be of great benefit to you in the event your products cause bodily injuries or property damage
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance protects you from incurring the costs of replacing or repairing your laptops, cameras, and other personal effects after they get stolen, lost, or damaged by fire, vandalism, theft, and certain weather-related incidents such as lightning.
Before an insurer grants coverage, they may require you to provide them with a list of each item you want them to insure. You must indicate the make, the model, and the exact serial number of all the items.
Tools and equipment will insurance will pay according to the actual cash value or replacement cost of the covered items. Please note that most insurers will not provide you with financial aid in the event your insured tools and equipment get damaged by:
Acts of war and terrorism
General wear and tear such as corrosion or rust
Destruction by fungus, molds, and other pests
Nuclear hazards
It's approximately $5,000 per insured item. However, some companies offer up to $25,000 in their tools and equipment insurance.
Rental reimbursement coverage–In the event you have to rent a tool or equipment as you await for your owned items to be repaired or replaced, then you can use this add-on to help you settle the cost
Inland marine coverage–This add-on exempts you from incurring the cost of replacing or repairing your working tools and equipment in the event they get stolen, lost, or damaged by the insured perils while being transported to job sites or any other location
This commercial insurance helps cover you from any financial obligations you may be subjected to following an auto-related accident that causes third-party bodily injury and property damage. This policy also caters to your driver's medical expenses and the passengers traveling in your commercial vehicle.
It approximately ranges between $20,000 to $1,000,000 for bodily injury and property damage liability. Underwriting guidelines directly influence your coverage limit under this policy.
Electronic equipment coverage–If your commercial vehicle has an extra expensive electronic device installed in it, then we recommend that you purchase this add-on as it will provide you with financial aid in the event your electronic device gets destroyed or damaged following an accident
Additional insured–This add-on extends liability insurance coverage to other parties or members of your business team that had not been initially named in your commercial auto insurance
Workers compensation insurance caters your employees’ medical expenses following a job-related injury or illness. Your employee also receives compensation for lost wages if they can’t work. Death, dismemberment, and disability benefits are also paid to your employees.
There are no set coverage limits under this policy.
Employer assistance programs–It's possible for your employees to be subjected to work-related stress, especially if your environmental engineering company provides its services at a large-scale level. In the event you notice that your employees are underperforming due to work-related stress or personal issues, then this add-on will help you cater for their counseling sessions and mental health support services
Employer’s liability insurance–This add-on protects you from any financial responsibilities your business may be subjected to in the event your current or former employee serves you with a lawsuit alleging your acts of negligence or your unsafe working conditions caused them a work-related injury or sickness
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $37 | $444 | $0-$500 |
| Professional liability insurance | $42 | $504 | $500-$1,000 |
| Excess liability insurance | $45 | $540 | $500-$1,000 |
| Commercial property insurance | $56 | $672 | $1,000-$2,000 |
| Business owner’s policy | $87 | $1,044 | $1,500 |
| Commercial auto insurance | $65 | $780 | $500-$1,000 |
| Tools and equipment insurance | $46 | $552 | $500-$1,000 |
| Workers compensation insurance | $74 | $888 | $2,000-$5,000 |
The average environmental engineer insurance cost is $37 per month or $444 per year for a $1 million general liability policy. Factors that affect the cost of premiums are policy limits, deductibles, claim history, business history, location, annual revenues, and number of employees. Here’s a table showing the cost of a $1 million general liability insurance from the best environmental engineer insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $22 | $264 | Best overall; Fastest general liability insurance for environmental engineers |
| CoverWallet | $24 | $288 | Comparing environmental engineer insurance quotes online |
| The Hartford | $27 | $324 | Workers compensation insurance for environmental engineers |
| Tivly | $29 | $348 | Comparing environmental engineer insurance quotes over the phone |
| Thimble | $31 | $372 | Short-term general liability insurance for environmental engineers |
| Hiscox | $33 | $396 | Worldwide coverage for environmental engineers |
Get all the best quotes from leading providers in a click of a button!
Here are the best environmental engineer insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for environmental engineers
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is an online insurance carrier specializing in providing competitively priced, and easy-to-purchase insurance policies. Despite being founded in 2016, this 100% digitally operated insurer has been rated by AM Best as an A-grade insurance carrier.
Best for: Best overall; Fastest general liability insurance for environmental engineers
Average cost: $22 per month
Our rating: 10/10
Compare quotes online
Low premiums if you pay for the whole year
Its dedicated agents provide you with answers to any of your policy related questions
Not an insurance company but an insurance broker
CoverWallet is a B BBB-rated online insurance company that uses its user-friendly website to facilitate its customers with an online platform where they can compare the available coverage options as provided by different insurers. Some of the environmental engineer insurance this Aon-owned insurance company deals in include professional liability insurance, business owner's policy, commercial property insurance, and workers comp insurance.
Best for: Comparing environmental engineer insurance quotes online
Average cost: $24 per month
Our rating: 10/10
24/7 claims reporting services
Provides both personal and commercial coverage
Provides you with a wide range of insurance catalogs to choose from
It's yet to be a BBB-accredited business
The Hartford is a public insurance company that has been in operation since 1810. This A+ AM Best and BBB-rated established and dependable carrier also provides its policyholders with financial services. Policyholders aged 50 years and above benefit from its discounted and lifetime renewable auto policies. Through its official mobile app, policyholders across all 50 states can report a claim any time of the day and week.
Best for: Workers compensation insurance for environmental engineers
Average cost: $27 per month
Our rating: 10/10
A partner of many reputable insurance companies
Compare quotes over the phone
Quick to respond to queries
It’s yet to underwrite its policies
Tivly is an online insurance agency that has partnered with the Hartford, Liberty Mutual, and Progressive to streamline the acquisition of commercial insurance policies for its customers. This company’s representatives will provide the quote for general liability insurance, commercial property insurance, and other policies. Call now to compare quotes over the phone.
Best for: Comparing environmental engineer insurance quotes over the phone
Average cost: $29 per month
Our rating: 9/10
You can purchase or pay for monthly, hourly, or a day-long premium
Numerous add-ons to general liability insurance
Get your certificate insurance online
You can only speak to customer service online
Thimble is an online insurance company. Through its website, Thimble recommends its policyholders' coverage options that suit their business needs. You can either purchase its premiums monthly or annually online, the latter is considered to be cost-effective. You can also purchase its policies by using its official mobile app.
Best for: Short-term general liability insurance for environmental engineers
Average cost: $31 per month
Our rating: 9/10
Specializes in the provision of professional liability insurance and general liability insurance offering worldwide coverage
You can purchase its policies online or through an agent
It provides its clientele with a 14-day money-back policy
Online quoting not available all the time due to periodic site maintenance
Hiscox is an online insurance company that was founded in 1901. It provides its coverage internationally and to all 49 states. Hiscox’s customers can acquire short-term liability coverage through a partnership with Thimble. Some environmental engineer insurance policies this A+ AM Best-rated insurer deals with include professional liability, general liability, and business owner's policy.
Best for: Worldwide coverage for environmental engineers
Average cost: $33 per month
Our rating: 9/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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