Engineers play a crucial role in ensuring the planning, design, and implementation of a project go to plan. Your clients depend on your professional advice, and while you can do everything in your power to ensure a successful project, there’s always risk involved beyond your control. To protect your clients, your business, and yourself, it’s important to put the right professional liability insurance in place.

Engineering insurance is designed to protect engineering professionals in Ontario against the unique risks associated with providing their services, including negligence, errors & omissions, and third-party incidents. At Roughley, our dedicated engineering team includes former engineers who understand your need for great coverage at the right price. Our professional liability insurance plans are specifically tailored to meet the needs of engineering firms throughout Ontario and Canada.

Types of Engineering Insurance Coverage Offered

At Roughley, our brokers offer every type of coverage an engineer could need. Here are the most commonly used insurance plans by engineers in Ontario:

Professional Liability Insurance for Engineers

Professional Liability Insurance, also called Errors and Omissions (E&O), provides coverage for negligence, misconduct, or the failure to provide a service as advertised. Your client could sue if they feel as though your professional advice or services weren’t up to their expectations or they suffered financial losses as a result of your engineering advice.

E&O is particularly important in engineering, with endless scenarios resulting in potential E&O exposures. Some scenarios include a negligent error, act or omission, misrepresentation, intellectual property infringement, breach of confidentiality, delays, loss of documents, or failure to deliver due to a third party.

Professional liability insurance will cover your legal expenses including defense costs regardless of if the allegation is true or false, settlements, and awards up to your policy limit. Many engineering firms in Ontario consider this essential coverage.

Commercial General Liability (CGL)

Commercial general liability is the basic bedrock coverage for engineering businesses of any type, protecting against day-to-day risks such as a slip and fall. CGL not only covers the legal fees and damages but also responds to allegations regardless of the lawsuit outcome. Ontario engineering firms often combine this with their professional liability insurance for comprehensive protection.

Cyber Liability Insurance

Cyber liability insurance has become essential for engineers who store client information or confidential data. Cyber liability protects engineering professionals from the financial consequences of data breaches, cyber-attacks, or other cyber incidents that may compromise sensitive information or disrupt business operations. Our insurance plans include options for this important coverage

Additional Engineering Insurance Coverage Plans

Based on your engineering services in Ontario, you may also want to consider these insurance plans:

This insurance covers the cost of repairing or replacing essential equipment and tools used in engineering operations that are damaged or stolen. Surveying equipment, specialized mapping systems, and other tools can be protected with this add-on coverage to your engineering insurance policy.

Pollution liability insurance may be necessary for specific engineering disciplines such as industrial or chemical operations and provides coverage for third-party liability bodily injury, environmental damage, or property damage. Damage can be due to sudden or gradual pollution events which occur on a job site, potentially covering civil penalties, fines, clean-up, or emergency response costs. Many engineering firms in Ontario require this specialized coverage.