Structural Engineering Errors and Omissions (E&O) Insurance

We offer errors and omissions (E&O) insurance, also called professional liability insurance, to structural engineers who work in all fields. Structural engineering is a branch of civil engineering specializing in the analysis and design of structures that support or resist loads. Structural engineers are typically involved in the design of buildings and other large structures.

Do structural engineers need errors and omissions insurance?

Structural engineers face exposure to E&O and malpractice lawsuits based on alleged breach of contract and failure to exercise due care. If found as having been negligent, structural engineers can be held responsible for significant damages.

Even if a lawsuit is not justified, structural engineers still face costly legal fees. It is therefore vital for structural engineers to have the proper E&O insurance protection.

What coverage is provided to structural engineers by errors and omissions insurance?

Errors and omissions insurance protects structural engineers against claims made in connection with a negligent act, error or omission committed in the performance of professional services. The policy provides for the payment of damages that the insured becomes legally obligated to pay as a result of a covered claim as well as for claim expenses, including defense costs. Structural engineers should be aware that errors and omissions insurance policies include multiple exclusions, such as:

• Failure to obtain or maintain any type of insurance
• Claim made by an insured against another insured
• Dishonest, fraudulent, criminal, malicious or intentional acts
• Liabilities assumed from another party
• Express warranties or guarantees
• Fines and penalties

Many other exclusions and limitations are included in errors and omissions insurance policies. Structural engineers should carefully review their policy to ensure that adequate coverage is provided.