Engineering

Why engineering firms need a specialist broker

Engineering companies sit at the intersection of design liability and construction risk. Your professional indemnity requirements are typically dictated by the contracts you sign — and those contracts increasingly contain onerous insurance obligations including extended policy periods, specific sub-limits and project-specific cover requirements.

A structural engineering firm providing certification services has different exposure to an environmental engineering consultancy advising on contamination remediation. Both carry significant professional risk, but the policy structure and coverage triggers differ.

What we cover

Professional indemnity — covering design errors, specification mistakes, advisory failures, project management oversights and certification liability. We ensure retroactive dates, run-off provisions and aggregate limits are structured to match your project portfolio and contractual obligations.

Public and products liability — covering site inspections, testing, sampling and any physical operations your engineers perform beyond pure advisory work.

Management liability — D&O, EPL and statutory liability cover for engineering company directors, particularly relevant where firms carry WHS advisory obligations.

Cyber liability — covering data breaches, CAD file corruption and business interruption from system failures, increasingly relevant for firms managing BIM models and project data platforms.

Contract review — we review the insurance clauses in your key client contracts and advise where your existing program may not meet the specified requirements.

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