Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 22, 2026.
GENERAL LIABILITY
Engineers & Engineering Services $20/month for general liability
WHY IT MATTERS
Why Engineers & Engineering Services need business insurance
Engineering work can involve client property, technical decisions, jobsite visits and employee injuries. A suitable mix of policies can address covered claims arising from these different exposures.
SCENARIO 1
A visitor is injured
A client slips during a meeting at your office and alleges an injury. General liability insurance may help with covered medical expenses, legal defense and damages.
SCENARIO 2
A client alleges a design error
A client claims an engineering calculation caused delays and rework. Professional liability insurance may help with covered defense costs and damages tied to the alleged error.
SCENARIO 3
An employee is hurt on site
An employee is injured while inspecting a project location. Workers' compensation insurance may help with covered medical care and lost wages, subject to policy terms.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Engineering discipline
The type of engineering services you provide helps define the potential severity of an error. Work involving higher-consequence systems may result in a higher quote.
Project types
Large, complex or technically demanding projects can increase potential claim exposure and may raise the cost of coverage.
Revenue and workload
More revenue or a larger volume of projects can mean greater exposure, which may increase your quote.
Employees and payroll
A larger team or higher payroll can increase workers' compensation exposure and may raise that portion of your coverage cost.
Claims history
Prior claims may lead an insurer to view future claims as more likely or severe, which can increase the quoted rate.
Limits and deductibles
Higher policy limits or lower deductibles generally increase what the policy may pay, which can result in a higher quote.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, even for engineering firms with similar services.
State requirements
Workers' compensation obligations and other insurance requirements can differ by state, so review the rules wherever your firm operates.
Contract requirements
Clients and project owners may set coverage types and limits in their contracts, making each firm's insurance needs different.
Carrier appetite
A carrier's interest in your engineering discipline, project types and operating footprint can affect available options and pricing.
175
Quotes analyzed
41
States represented
3
Coverage lines
BEST RATE
How to get the best rate
Describe your services accurately
List each engineering discipline, project type and field activity so the quote reflects the work you actually perform.
Gather current business details
Prepare revenue, payroll, employee counts, project information and claims history before requesting a quote.
Review client contracts
Check active and upcoming agreements for required coverage types and limits before selecting policy options.
Document risk controls
Organize written quality checks, peer-review procedures, contract review practices and jobsite safety processes for the application.
FAQ
Common questions
What business insurance should an engineering firm consider?
Start by evaluating general liability insurance, professional liability or errors and omissions insurance, and workers' compensation insurance. The right mix depends on your services, employees, contracts, project types and field activities.
Does general liability insurance cover engineering errors?
General liability insurance generally does not address claims based on professional mistakes or design errors. Professional liability or errors and omissions insurance is intended for covered claims alleging errors, omissions or failures in professional services.
Is business insurance required for engineers?
Requirements depend on the states where your firm operates and the contracts you sign. Clients, project owners or landlords may also require particular coverage types and limits.
What affects the cost of engineering business insurance?
Insurers may consider your engineering discipline, project types, revenue, payroll, employee count, claims history, selected limits and deductibles. Rates also vary by state and by carrier.
How can I request an engineering business insurance quote?
Gather accurate details about your services, projects, revenue, payroll, employees and claims history, then get a free business insurance quote. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.