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Insurance for Engineering Firms
Tailored Risk Protection for Civil, Structural & Utility Engineering Firms.
Engineering firms face wide-ranging exposures — from professional design liability to site-related injury, environmental risks, and project delays. At ERM Financial Services, we support Irish engineering consultancies with insurance solutions designed for your services, contracts, and statutory responsibilities.
With over 30 years of experience working with construction and infrastructure professionals, we provide clarity, compliance, and confidence from tender stage through to project completion and beyond.
Who We Work With
Civil and structural engineering practices
Utility infrastructure and grid connection firms
Design & inspection consultants for roads, bridges, and buildings
Engineering teams working on government and public procurement projects
Insurance for Engineers
Key Insurance Covers for Engineering Firms:
Professional Indemnity (PI) Insurance
Protects against claims of design error, technical negligence, or omissions — including legal defence, settlements, and compensation (where insurable).
Public Liability Insurance
Covers injury or damage to third parties arising from site visits, inspections, or surveying activity.
Employers’ Liability Insurance
Required if you employ engineers, technicians, or site operatives. Covers workplace injuries and illnesses.
Office Contents & Equipment Insurance
Protects computers, CAD equipment, reference materials, and portable devices.
Cyber Liability Insurance
Safeguards your firm against data breaches, ransomware, and unauthorised system access — essential for firms handling sensitive data and infrastructure plans.
Optional Add-Ons:
Directors & Officers (D&O) cover for principal engineers and company directors
Directors & Officers (D&O) cover for principal engineers and company directors
Run-off cover for past projects and retired professionals
Why ERM?
- 30+ years working with Ireland’s built environment and utilities sector
- Understanding of public framework requirements and insurer expectations
- Efficient support during tenders, project onboarding, or claim events
- Regulated by the Central Bank of Ireland
FAQs – Insurance for Engineering Firms
1. What’s the main exposure for engineering firms?
Professional liability from design errors or specification failure is the biggest risk. PI Insurance is essential to protect against costly legal claims.
2. Are public or local authority clients more likely to request specific cover levels?
Yes. Tender documents or framework requirements often specify minimum PI limits and contract conditions. We help ensure you’re compliant.
3. Does PI Insurance cover historic work?
Yes — with the right retroactive date and uninterrupted cover. We’ll review your existing policy to ensure no gaps exist.
4. Can I be liable for a subcontracted engineer’s design?
Yes, if you’re contractually responsible or named as lead consultant. We’ll assess your contractual obligations to determine what your policy needs to cover.
5. What if I also visit site or sign off construction stages?
Public Liability Insurance is recommended for physical site visits, inspections, or sign-offs — especially where third-party injury or damage is possible.
6. Do I need Cyber Insurance?
Yes — especially for firms handling plans, utility access data, client files, and confidential design documentation. Cyber cover protects against breach and business interruption.
7. What is run-off cover, and who needs it?
Run-off PI provides continued protection after retirement, closure, or sale of a business — critical given the long-tail nature of engineering claims.
8. Can we combine all our insurance into a firm-wide policy?
Yes. We can structure a single programme including PI, PL, EL, cyber, and more — helping streamline your renewals and claims process.
9. Is ERM Financial Services regulated?
Yes. ERM Financial Services is regulated by the Central Bank of Ireland.