Insurance for Civil Engineers

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Why do Civil Engineers need insurance?

The role of a civil engineer involves a great deal of responsibility, from planning and designing, to overseeing the construction of major structures. Regardless of the area of specialisation you offer your expertise in, civil engineers typically require the right insurances in place to protect their business from financial and legal risks should something go wrong.

Some of the typical risks civil engineer contractors may be faced with include things like errors and omissions, miscalculations, and not being able to meet the initial promises to a client on a project.

With BizCover you can get multiple competitive quotes from selected leading insurers with just a few clicks or a simple phone call.

Did you know?

From Brisbane to the back of Bourke, your Public Liability insurance covers you anywhere within Australia.

Insurance for Civil Engineers*

Professional Indemnity

As a civil engineer, you are recognised as an expert in your field, with clients having high expectations when it comes to your professional advice and services. This is where Professional Indemnity insurance becomes vital to you and your business.

Professional Indemnity insurance is an important form of protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. It will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

Public Liability Insurance

Whether you work on-site or in an office, as a civil engineer you will likely be having regular contact with clients, contractors and members of the public.

Public Liability insurance is designed to provide protection* for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

What is typically included?

Public Liability insurance for Civil Engineers provides covers for:

  • personal injury suffered by a third party (e.g., a customer, supplier, or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim

What is typically not covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

Business Insurance

You rely on your tools to get the job done, from specialised equipment to your laptop, can you imagine how you would be able to function without them?

Business Insurance can provide cover for your business assets* including its premises, contents, stock and in the event of business interruptions.

Personal Accident and Illness Insurance

No matter how much care you may take, accidents and illness can strike without any warning, often resulting in time off work to recover

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 disablement or even death.

Personal Accident and Illness insurance gives you peace of mind so you can focus on recovering without worrying about your loss of income.

Why choose BizCover for your civil engineer insurance?

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We won’t bore you with jargon

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Frequently Asked Questions

Both forms of insurance cover different risks that may impact your civil engineering business. Working on site or having clients visit your business premises makes Public Liability insurance an important form of cover to protect you against injuries or damage to third parties.

Professional Indemnity insurance protects you against claims that may arise from a client who experiences a loss as a result of civil engineering advice or services. For example, these could be claims for things like errors and omissions and negligence.

Working with contracts often means you will be required to have certain types of business insurance and levels of cover in place.

Each civil engineer is different, working on different projects and exposed to various potential risks. When it comes to the pricing of your civil engineer insurance, the pricing is determined by some of the following factors:

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**The information provided on this page is general guide only and does not take into account your personal objectives, financial situation or needs. This information should not be construed as any form of advice. Consider your own personal circumstances, objectives, financial situation, needs, Product Disclosure Statement (PDS), and full policy terms and conditions before making a decision. Product descriptions on this page are intended only as a guide to coverage terms and conditions, and should not be relied upon to determine policy coverage. Policy coverage is subject to the specific terms and conditions of each policy wording.
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