Insurance for Civil Engineers
Up to $10M Professional Indemnity cover
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Up to $10M Professional Indemnity cover
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What does civil engineering insurance cover?
Civil engineering insurance is designed to cover the unique risk exposures faced by civil engineers and firms, such as negligence, design errors, project delays, incorrect advice or breach of duty. It can help cover legal fees, compensation rectification expenses and investigation costs. Our civil engineering insurance can cover you for:
- Legal defence and settlement costs
- Negligence or specification faults
- Third-party injuries or property damage
- Loss of data or document
- Equipment loss, damage or theft
- Loss of income due injuries or sickness
Professional Indemnity is important for civil engineers, as it is required to become licenced and work in most states and territories. Our Professional Indemnity cover includes civil liability, retroactive cover, automatic reinstatement, and run-off cover (subject to claims history and other factors).
BizCover offers insurance options customised for civil engineers. We offer fast, customisable cover in minutes.
Why do civil engineers need insurance?
Civil engineers may need insurance to obtain a licence and work in Australia, meet contractual obligations, and cover unexpected costs and legal liability.
Civil engineers play a crucial role in the design and building of a project. Your expertise is essential, but even a small error or accident could create project delays, claims, and lawsuits. Even if you haven’t made a mistake, an unhappy client could blame you if a build doesn’t go to plan.
| Risk scenarios |
|---|
| An employee specifies the wrong building materials during a project. |
| You provide an inadequate site evaluation, which causes costly project delays. |
| Your design fails to meet statutory building codes. |
| You accidentally damage a contractor’s equipment while visiting a worksite. |
| A fire at your office damages your tools and business records. |
| Items are stolen from your office during a break-in. |
What types of insurance do civil engineers need?
We offer flexible policies to cover your business, finances, and tools. Build an insurance package to suit your business needs.
Basic civil engineering insurance
Additional civil engineering insurance
How much does civil engineering insurance cost?
Business insurance for civil engineers costs an average of $191* per month.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get flexible cover to match your business needs
We offer cover limits to suit businesses from sole traders to growing civil engineering firms. Choose Professional Indemnity up to $10 million, Public Liability up to $20 million, and Personal Accident & Illness weekly benefits up to $4,000.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Your Industry
Required Coverage
Your Turnover
Number of Emplyees
Claims History
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get flexible cover to match your business needs
We offer cover limits to suit businesses from sole traders to growing civil engineering firms. Choose Professional Indemnity up to $10 million, Public Liability up to $20 million, and Personal Accident & Illness weekly benefits up to $4,000.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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- Claims Results
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Yes. Most states and territories require Professional Indemnity insurance for civil engineers to obtain a license and/or register to work. Insurance may also be mandatory for work contracts and leasing commercial office space.
Yes. Professional Indemnity insurance is mandatory for civil engineers in ACT, NSW, TAS, and QLD to become licenced or register to work. Certifying engineers must have Professional Indemnity cover in NT. Engineers in VIC must have Professional Indemnity to provide services to the building industry, and building engineering contractors in WA must also have a policy.
Both forms of insurance cover different risks that may impact your civil engineering business.
Public Liability insurance covers you if a third-party claims that your negligent business activities caused them injury or property
damage. This includes defence costs cover.
Professional Indemnity insurance covers you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice.
Personal Accident and Illness insurance can provide cover if, as a result of an unexpected injury or illness (even if it occurs outside of your employment), you suffer loss of income due to being unable to work, permanent disability or even death.
Business Insurance can provide cover for your business assets* including its premises, contents, stock and in the event of business interruptions.
Every engineer has unique insurance requirements that will influence how much insurance they may want to consider. In some states and territories, minimum Professional Indemnity limits are necessary to become licenced or register to work as a civil engineer. You may also want to consider things such as work contracts and annual revenue when deciding how much insurance you may need.
Yes, BizCover makes it easy for civil engineers to update their policies as their business grows. We offer flexible cover limits that can be increased to meet the needs of growing engineering firms.
Civil engineers with BizCover are sent a certificate of currency instantly after buying a policy. Need an extra copy? No worries! Just login to our customer portal to download a copy whenever you need one.
Making a claim is easy for civil engineers with BizCover. Simply fill out our online claim form to get started. You can track your claim online, so you’re always in the loop.
Hear from our customers
The process was so quick, easy and the quote provided was HALF that of my previous insurer.
E Ortega
Really easy and no long forms or wait times like other providers of PI.
Phillip B
Smooth, seamless way to gain the insurance
David G
Great service. I can see you are better than individual insurance broker who increase my premium every year.
Zhiwei T
Real-life customer reviews verified by Feefo