Engineering E&O is not a commodity policy. Wordings and programs vary widely, and some are materially weaker than others. We have a dedicated engineering team and access to specialist engineering E&O markets, so we can place coverage that fits your practice and holds up if you get tagged in a claim.
This is the core coverage for allegations of negligence, errors, or omissions arising from professional engineering services. For many firms, we typically recommend $1M to $2M in E&O limits, and higher where contract requirements, project values, or exposure warrant.
PEO minimum requirements generally start at $250,000 per claim with $500,000 aggregate (or reinstatement), plus deductible restrictions. Most firms carry more than the minimum, especially once contract language and real project exposure is considered.
E&O and CGL solve different problems. CGL is commonly required by client contracts and helps with non-professional incidents tied to operations like site visits, premises exposures, and certain third-party property damage scenarios. We often recommend $2M to $5M CGL depending on your work.
New ventures, moonlighting, incorporated practices, and firms tightening up contracts and certificates for the first time. We have dedicated in-house programs so you do not overpay for parts you may not need.
Firms adding staff, subconsultants, bigger projects, or new service lines that change how the policy should be structured. We have cost effective in-house programs built for 2-15 engineers.
Higher contract requirements, more stakeholders, broader service definitions. We partner with the best engineering insurers for large scale solutions. Due to our in-house expertise, we are often able to secure favorable pricing.
Firms doing project management, construction management, design-build collaboration, field services, materials testing, environmental work, and other scopes that can create coverage gaps if the wording is not right.
New ventures, moonlighting, incorporated practices, and firms tightening up contracts and certificates for the first time. We have dedicated in-house programs so you do not overpay for parts you may not need.
Firms adding staff, subconsultants, bigger projects, or new service lines that change how the policy should be structured. We have cost effective in-house programs built for 2-15 engineers.
Higher contract requirements, more stakeholders, broader service definitions. We partner with the best engineering insurers for large scale solutions. Due to our in-house expertise, we are often able to secure favorable pricing.
Firms doing project management, construction management, design-build collaboration, field services, materials testing, environmental work, and other scopes that can create coverage gaps if the wording is not right.
Engineering insurance should be selected for quality of coverage, not just price.
We understand your exposures, the requirements for PEO's Certificate of Authorization, and what limits and coverages you should be carrying.
The best programs are built for engineering exposures, not retrofitted from a generic professional form. They tend to handle definitions, defense, and practice realities more cleanly, and they are supported by specialist underwriting and claims teams who understand construction disputes.
Even careful firms have premises and operational exposures. Slip-and-falls during site visits, incidental property damage, and certificate-driven contract requirements are common reasons CGL is paired with E&O.
We can place coverage for early-stage firms and moonlighting, all the way up to larger practices. When a standard market cannot accommodate the scope or contract requirements, we can look at alternative solutions. Our partnerships ensure we have the most comprehensive options.
The best programs are built for engineering exposures, not retrofitted from a generic professional form. They tend to handle definitions, defense, and practice realities more cleanly, and they are supported by specialist underwriting and claims teams who understand construction disputes.
Even careful firms have premises and operational exposures. Slip-and-falls during site visits, incidental property damage, and certificate-driven contract requirements are common reasons CGL is paired with E&O.
We can place coverage for early-stage firms and moonlighting, all the way up to larger practices. When a standard market cannot accommodate the scope or contract requirements, we can look at alternative solutions. Our partnerships ensure we have the most comprehensive options.
These are the situations where wording quality shows up fast. We try to keep things simple where possible, making sure the policy responds to the work you actually do.
The retro date is the start date for covered work under a claims-made policy. Work performed before the retro date may not be covered. We manage retro dates carefully when placing or moving a policy.
Ready to Work with an Expert?
Get personalized advice and a quote tailored to your specific needs.
