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Insurance for Engineering Firms
Civil engineers and infrastructure contractors are exposed to physical, financial and environmental risk — often all at once.
From early-stage grading to final paving, ERM provides tailored insurance to protect your people, projects and plant.
Covers site, staff, tools, machinery and legal claims
Smart protection for engineering design-build roles
Fast documentation for tenders, contracts and compliance
What Keeps Engineers Awake at Night?
Infrastructure and civil works are high-stakes. You’re dealing with long timelines, heavy plant, environmental impact and public scrutiny. The risks include:
Third-party injury or property damage
On or near your worksite
Employee or subcontractor accidents
With serious legal consequences
Damage to works in progress
Due to storms, fire, or vandalism
Plant and tool theft
Or breakdowns delaying key milestones
Pollution or environmental contamination
From materials or waste
Defective work or supplied materials
Resulting in compensation claims
Underinsurance
Especially with large, multi-phase or public infrastructure projects
Simply fill out our contact form, email us at sales@ermfinancialservices.ie or call us now on 01 845 4361 to find out more.
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Insurance for Engineers
Recommended Insurance for Engineering Contractors
ERM provides bundled policies that reflect the real-world risks of civil engineering firms.
Public Liability Insurance
Protects your business against claims if a member of the public is injured or property is damaged as a result of your work. Critical on public roads, drainage and site-access projects.
Employers’ Liability Insurance
Covers claims made by your employees for injury or illness sustained while working for you.
Contractors’ All Risk (CAR) Insurance
Covers ‘All-risks’ of loss or damage to your insured work-in-progress such as fires or flood.
Plant and Equipment Insurance
Covers essential machinery such as diggers, graders, paving tools and hired-in plant — for theft, damage or breakdown.
Environmental Liability Insurance
Covers cleanup and legal costs related to spills, dust emissions, or site waste mismanagement. May be required for high-risk sites or where hazardous materials or waste is involved.
Product Liability Insurance
Protects your firm from claims involving installed components or materials — e.g. faulty drainage units, fill, or materials contributing to site defects.
Business Interruption Insurance
Protects lost income if your work is disrupted due to an insured event — such as flood, vandalism, equipment failure, or plant theft.
We Support All Civil Engineering Contractors
Our policies are tailored for infrastructure professionals involved in:
- Land Grading
- Drainage Systems
- Site Preparation
- Foundation Works
- Road & Paving Projects
Why Engineering Firms Choose ERM
- Industry experts — we speak your language and understand your industry’s insurance requirements
- All-in-one policies — from liability to environmental and plant
- Irish-based team with 20+ years’ sector experience
- Fast, contract-ready certificates and documentation
- Human support — no bots, no hold music, just real expertise
Frequently Asked Questions (FAQs)
1. What insurance is required for civil engineering projects?
Typically: Public Liability, Employers’ Liability, CAR, and Plant & Equipment. Environmental and Product Liability are also recommended.
2. Do I need Environmental Liability if I don’t work with chemicals?
Yes — any work involving excavation, drainage or waste management carries pollution risk.
3. Can I insure both owned and hired-in plant?
Yes. Policies can be tailored to cover your owned plant & equipment and anything you bring in temporarily.
4. What’s the difference between CAR and Public Liability?
CAR covers your work-in-progress and site structures. Public Liability covers injury or damage to others.
5. What kind of projects need Business Interruption Insurance?
Any long-term site that would lose income if delayed due to an insured event.
6. Can you issue cover certificates for public tenders?
Yes. We understand what Irish procurement teams require.
7. Do I need EL if I only use subcontractors?
Possibly — if you supervise their work or provide equipment, you may be deemed their employer in a claim.
8. What is Product Liability used for in engineering?
It covers installed parts, materials or supplies that cause a defect or damage — even if you didn’t manufacture them.
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Civil Engineering Is Complex — Your Insurance Doesn’t Have to Be
ERM gives Irish engineering firms clear, practical, site-specific insurance — with the flexibility to grow with your projects.