In the engineering world, a single calculation error or misunderstood specification can lead to a multi-million dollar professional negligence claim. Because our leadership includes a Professional Engineer (P.Eng), Roughley understands your insurance isn't a commodity — it's a critical part of your risk management. We specialize in navigating Claims-Made vs. Occurrence wordings and the specialist engineering E&O markets generalist brokers can't access, so your coverage holds up the day you're tagged in a claim.
Your core defence against design and spec negligence claims. Engineering E&O is claims-made — the policy must be active when the work was done AND when the claim is filed. We manage retroactive dates and tail coverage. $2M–$5M is the Ontario mid-market standard.
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PEO's $250k/$500k Certificate of Authorization minimums rarely satisfy modern RFPs. We size limits against your actual project values — protecting the firm's balance sheet, not just your licence status.
E&O covers your brain; commercial general liability (CGL) covers your boots. If someone is injured on a site visit or you cause off-design property damage, CGL is your primary defence — and it's mandated separately from E&O. We coordinate both carriers so claims don't fall between them.
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We don't just bind the policy — we review insurance clauses in your engineering service agreements and prioritise fast Certificate of Insurance issuance so you get on-site without delays. Built on ACEC contract-review best practices.
Whether you are launching an incorporated practice, moonlighting, or transitioning to a solo consultancy, you need coverage that satisfies Certificate of Authorization (C of A) requirements without the corporate price tag. We offer dedicated in-house programs designed for the new-venture risk profile, ensuring you have the E&O foundation required to sign your first contract. The Roughley Edge: we help you navigate the initial setup so you don't overpay for big-firm coverage you don't yet need.
As you add staff and take on larger infrastructure or commercial projects, your risk profile shifts. We specialize in structuring policies that account for vicarious liability (the work of your sub-consultants) and evolving service lines. Our in-house programs are built specifically for firms in the 2–15 engineer range, providing a balance of competitive premiums and broad wording. The Roughley Edge: we review your growth trajectory so your policy limits scale before you bid on the next major RFP.
For firms managing large-scale projects with multiple stakeholders, a standard policy isn't enough. We leverage our P.Eng-led expertise to negotiate directly with Canadian engineering specialty markets, focusing on manuscript wording that addresses broad service definitions and high-limit contract requirements ($10M+). The Roughley Edge: because we speak the technical language of engineering, we can often secure favourable pricing and terms generalist brokers cannot access.
If your firm provides project management, design-build collaboration, or materials testing, you sit in a unique coverage gap between professional and operations risk. We tailor wording specifically for Construction Management (CM) and field services, protecting you from the finger-pointing that often occurs during multi-party site claims. The Roughley Edge: we analyze your specific scope of work so your E&O and CGL policies are perfectly synchronized.
Whether you are launching an incorporated practice, moonlighting, or transitioning to a solo consultancy, you need coverage that satisfies Certificate of Authorization (C of A) requirements without the corporate price tag. We offer dedicated in-house programs designed for the new-venture risk profile, ensuring you have the E&O foundation required to sign your first contract. The Roughley Edge: we help you navigate the initial setup so you don't overpay for big-firm coverage you don't yet need.
As you add staff and take on larger infrastructure or commercial projects, your risk profile shifts. We specialize in structuring policies that account for vicarious liability (the work of your sub-consultants) and evolving service lines. Our in-house programs are built specifically for firms in the 2–15 engineer range, providing a balance of competitive premiums and broad wording. The Roughley Edge: we review your growth trajectory so your policy limits scale before you bid on the next major RFP.
For firms managing large-scale projects with multiple stakeholders, a standard policy isn't enough. We leverage our P.Eng-led expertise to negotiate directly with Canadian engineering specialty markets, focusing on manuscript wording that addresses broad service definitions and high-limit contract requirements ($10M+). The Roughley Edge: because we speak the technical language of engineering, we can often secure favourable pricing and terms generalist brokers cannot access.
If your firm provides project management, design-build collaboration, or materials testing, you sit in a unique coverage gap between professional and operations risk. We tailor wording specifically for Construction Management (CM) and field services, protecting you from the finger-pointing that often occurs during multi-party site claims. The Roughley Edge: we analyze your specific scope of work so your E&O and CGL policies are perfectly synchronized.
Why Choose Roughley for Your Firm's Protection?
P.Eng oversight. C of A compliance. In-house underwriting for Ontario engineering firms. Day 2 advocacy on contract reviews and rapid Certificate of Insurance turnarounds — so your projects keep moving.
The best engineering programs aren't retrofitted professional liability forms — they're built for the reality of construction disputes. High-quality wordings include broad definitions of "Professional Services" that encompass project management and feasibility studies, not just design. The Roughley Edge: we prioritize policies backed by specialist claims teams who understand the difference between a minor spec deviation and professional negligence.
While E&O protects your "brain" (designs and advice), Commercial General Liability (CGL) protects your "boots". Even the most careful firm faces premises and operational risks — slip-and-falls during a site visit, incidental property damage at a client's office. CGL is a contractual must-have that fills the gaps your professional policy won't touch. The Roughley Edge: we synchronize your CGL and E&O so there are no finger-pointing gaps between insurers during a claim.
From new-venture programs for moonlighting engineers to complex, high-limit placements for established firms, we have the in-house authority to move quickly. We specialize in finding solutions for non-standard scopes — environmental testing, materials science — that generic brokers often struggle to place. The Roughley Edge: our partnerships with Canadian engineering specialty markets mean broader terms and faster Certificate of Insurance turnarounds than the competition.
The best engineering programs aren't retrofitted professional liability forms — they're built for the reality of construction disputes. High-quality wordings include broad definitions of "Professional Services" that encompass project management and feasibility studies, not just design. The Roughley Edge: we prioritize policies backed by specialist claims teams who understand the difference between a minor spec deviation and professional negligence.
While E&O protects your "brain" (designs and advice), Commercial General Liability (CGL) protects your "boots". Even the most careful firm faces premises and operational risks — slip-and-falls during a site visit, incidental property damage at a client's office. CGL is a contractual must-have that fills the gaps your professional policy won't touch. The Roughley Edge: we synchronize your CGL and E&O so there are no finger-pointing gaps between insurers during a claim.
From new-venture programs for moonlighting engineers to complex, high-limit placements for established firms, we have the in-house authority to move quickly. We specialize in finding solutions for non-standard scopes — environmental testing, materials science — that generic brokers often struggle to place. The Roughley Edge: our partnerships with Canadian engineering specialty markets mean broader terms and faster Certificate of Insurance turnarounds than the competition.
In engineering, the gap between a standard policy and a Roughley-negotiated program usually appears during the claims process. We focus on ensuring your wording responds to these four critical areas.
Technically, the Professional Engineers Act allows for a "disclosure" option where you can notify clients in writing if you don't hold insurance. However, for 99% of firms, the answer is effectively yes. Most client contracts, RFPs, and master service agreements mandate a minimum of $1M to $2M in E&O and CGL coverage. Without it, you are locked out of most professional opportunities and remain personally liable for any errors.
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You’ve finished the project, stamped the drawings, and moved on to the next big build. But in the engineering world, your liability doesn't end when the site trailers leave. If a structural issue or design flaw is discovered five years from now, will your current insurance policy actually respond? The answer depends on two technical words: Claims-Made.
PEO sets baseline insurance requirements for engineering firms, but most projects demand far more. This guide covers how engineering E&O works, how coverage differs by discipline, and the gaps that catch firms off guard.
