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Civil engineering insurance

Civil engineers commercial insurance NZ

Civil engineering insurance is a specialized type of insurance tailored for professionals working in the civil engineering sector. Essentially, it provides coverage for potential risks that civil engineers might face during the course of their work. This might include accidents at construction sites, structural failures, design errors, or any unforeseen problems that could lead to financial losses or legal disputes.

Why is civil engineering insurance important? 

In the dynamic world of civil engineering, unpredicted challenges or accidents can occur. Civil engineering insurance is crucial because it offers protection against potential losses from these unexpected events. It ensures that professionals have a safety net in place, safeguarding both their financial stability and reputation.

In New Zealand, the average cost of civil engineers insurance typically ranges between $200 – $400 per month. 

It’s crucial to have civil engineering coverage if your business:

  • Undertakes large-scale construction projects
  • Offers design and consultancy services
  • Employs multiple engineering professionals
  • Engages with subcontractors frequently

What insurance covers are typically included in civil engineering insurance? 

Civil Engineering Professional Indemnity

Professional indemnity insurance for civil engineering consultants provides coverage against claims of negligence, mistakes, or omissions in the services a civil engineer delivers. This insurance helps protect civil engineer professionals from potential legal costs and damages awarded to a client if their advice or service is found to have caused a financial loss.

Best For
  • Negligence claims 
  • Errors & Omissions 
  • Professional mistakes 

Public Liability

This policy covers common business risks including bodily injuries, customer property damage, and advertising injuries. Civil engineer’s liability is required for most commercial projects. 

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps civil engineers cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Management Liability

Management liability insurance in NZ shields civil engineering company leaders from legal and financial risks due to their managerial responsibilities.

Best For
  • Directors liability 
  • Employment disputes
  • Legal defence

Cyber Insurance

Insurance that helps protect civil engineering businesses from financial losses caused by cyber-related incidents, like data breaches and computer attacks.

Best For
  • Ransomware attacks
  • Phishing scams 
  • Cyber extortion 

Business Contents Insurance

Business contents insurance in NZ is for protecting all the important stuff inside a civil engineering business. If there’s a problem or accident, the insurance can help with the expenses.

Best For
  • Accidents 
  • Floods
  • Fires

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

How much does civil engineering insurance cost?

Civil engineers insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Civil engineering insurance in NZ typically costs between $200 to $400 per month

Who needs civil engineering insurance?

Anyone working within the civil engineering domain might consider this insurance. This includes:

  • Independent civil engineers
  • Civil engineering firms
  • Contractors and subcontractors
  • Consultants providing engineering advice or design services
  • Companies involved in infrastructure projects

While not always legally required, certain clients or projects may demand it as part of their contractual agreement. Having the insurance also portrays the company or individual as responsible, often helping in winning bids or contracts.

Yes, most civil engineering insurance policies include professional indemnity coverage, which protects against financial losses arising from design errors or omissions that result in project faults.

How do I get a civil engineering insurance quote? 

We understand the unique needs of civil engineers in New Zealand. Leveraging our extensive industry knowledge and partnerships, we provide comprehensive civil engineering insurance quotes from the top insurers in the country and globally. Entrust us with your requirements, and we’ll ensure you receive the most competitive and tailored coverage options available.

To obtain a a civil engineers insurance quote we may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

How do I get proof of civil engineers insurance?

You can usually get proof of civil engineers insurance same day when you purchase insurance through Gerrards.

Acquiring an civil engineering insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or project.

To obtain insurance coverage promptly, contact one of our civil engineering insurance brokers. 

What does civil engineers insurance not cover?

Pollution and Contamination

Unless specified, many standard policies exclude claims arising from pollution or contamination incidents, which would require environmental liability insurance.

Known Claims or Circumstances

Any claim arising from a circumstance known at the time of taking out the policy, which wasn’t disclosed, will generally be excluded.

Unendorsed Activities

If your business engages in activities not declared during the insurance application, any resulting claims may not be honored.

Other common questions about civil engineers insurance

While public liability covers claims from third-party injuries or property damages occurring due to your business, civil engineering professional indemnity insurance offers  protection for design faults, professional errors, and more.

Yes, consultants can still face claims arising from advice or designs provided, making the insurance crucial.

By implementing safety measures, training staff, and maintaining a clean claims history, you can potentially lower your insurance costs. Regularly consulting with Gerrards can also help identify more ways to save.

Typically, standard policies cover domestic projects. However, if you’re involved in overseas projects, you’ll need to discuss an international or global extension to your policy. Gerrards can help ensure you’re protected, no matter where your work takes you.

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