Engineering insurance
Engineering businesses face a lot of insurance risk. An employee could get injured on a jobsite. A fire could rip through your office, destroy most of your company’s property, and force you to close for a few months. A member of your team could cause damage at a worksite and bring on an unexpected liability lawsuit. The point: Something bad is going to happen at some point, and when it does, you could be looking at a huge legal bill and a lot of hassle if you don’t have a backup plan.
That’s why reliable engineering insurance is a must. Whatever kind of engineering business you run, purchasing the right set of insurance coverages is essential for making sure it’s protected—even in the worst of circumstances.
The most common types of insurance for engineering contractors
If any of your employees get sick or injured at work, this coverage pays for medical expenses and lost wages.
A popular bundle of some of the most important coverages: general liability, business interruption insurance, and business property insurance.
Helps cover ongoing costs if you’re ever forced to close temporarily (for a covered reason).
How much does engineering insurance cost?
Professional engineer insurance rates will vary depending on the size of your payroll and where you’re located, so there’s no one-size-fits-all answer. That said, engineering businesses with Huckleberry have paid as little as $77 per month for their workers’ compensation—significantly less than the cost of a lawsuit.
Engineering insurance Q&A
First, there’s not a single coverage called “engineer insurance” that will cover all the risks your business faces. That said, most engineering contractors and businesses need general liability insurance, business property, and business interruption coverages—and all three are included in a Business Owner’s Policy. Pretty convenient.
Don’t forget: If you have employees, you’ll almost definitely need a workers’ compensation policy. It’s required by law in most states (and it’s an excellent idea even if it isn’t required!).
It’s easy for Huckleberry customers to get their proof of insurance—it’s free, it’s online, and it only takes a few taps. Just visit our Certificate of Insurance page.
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