What is Civil Engineer Insurance?
Insurance for civil engineers can include a number of different covers. These work together, ensuring your business is protected from the all the hazards of the trade. At BJP, we also ensure that cover I appropriate and that you’re not paying for cover you don’t need.
At BJP Insure we treat every client as an individual and would never offer you a one-size-fits-all solution. However, there are some core covers that we might typically recommend to all civil engineer contractors seeking insurance.
Civil Engineers’ Public Liability Insurance.
There are many things that can go wrong in any civil engineering project, from the use of the wrong tools or materials to construction faults. Any of these errors could trigger problems that could lead to the injury or death of a member of the public. Having the right level of Public Liability cover in place is crucial for civil engineers.
Civil Engineers’ Employers’ Liability.
A civil engineering contractor will typically employ a number of staff. Some of these may be full-time, others may be temporary or casual. Because these employees may work around dangerous tools and machinery, the risk of accidents or death is relatively high. Employers Liability cover protects your business if you’re sued by an individual, or group of individuals, under your employ.
Civil Engineers Contractors all risks cover.
Unlike standard Public Liability cover, which only covers civil engineers for third party loss or damage, Civil Engineers Contractors All Risk Insurance will cover any damage caused to the building works – for example due to a flood, storm, or fire. In some cases, it will even cover poor workmanship.
Your clients seek your professional advice. But sometimes a claim can be brought against you on the basis that this advice has been faulty, or ‘bad’. In this case, your client may seek compensation. Professional Indemnity cover protects you by paying out for professional indemnity claims that are proven as well as related legal fees.