Professional indemnity, public liability, and business insurance for Queensland engineers and consultancies — placed by a broker who understands that a design error claim can arrive years after the project is complete.
These are the exposures that regularly catch Engineers & Engineering Consultancies off guard — often because they weren't on anyone's radar until a claim was already underway.
A design error that results in structural failure, cost overruns, or remediation work can generate a PI claim years or decades after the design was certified. The long-tail nature of engineering claims means continuous and adequate PI cover isn't optional — it's fundamental.
Principal contractors, government clients, and project owners routinely require engineers to carry PI insurance as a condition of engagement — often specifying minimum limits, policy conditions, and additional insured requirements. Without the right cover, you don't get the job.
A failure to comply with current codes, standards, or regulatory requirements — even unknowingly — can result in significant claims if the non-compliance causes loss or damage. Engineering standards evolve, and design decisions made against a previous code can become a liability issue.
Engineers attending sites for inspection, certification, or supervision carry public liability exposure that is separate from their professional PI. An injury on site during a professional visit is covered under public liability, not PI.
When you engage or coordinate the work of sub-consultants, specialist engineers, or design subcontractors, errors or omissions in their work can result in claims that flow back to you as the lead or responsible engineer.
PI operates on a claims-made basis — the policy in force when a claim is made must respond. Practice changes, mergers, retirements, and dissolution all create run-off exposure that needs to be deliberately addressed, not overlooked.
The insurance products most relevant for Engineers & Engineering Consultancies — placed through insurers we deal with regularly.
Covers claims arising from errors, omissions, or negligence in engineering design, specification, certification, and professional advice — including defence costs and run-off cover for prior work.
Covers injury to third parties or damage to their property arising from your engineering activities — including site inspections, certification visits, and on-site supervision.
For engineering principals and directors. Covers personal liability from decisions made in managing the business — employment claims, regulatory obligations, and governance exposures.
Covers your office, CAD equipment, specialist computing assets, and general contents. Business interruption cover for engineering consultancies is particularly relevant given the high cost of replacing specialist hardware and data.
Three reasons to consider using a broker rather than buying direct.
The appropriate PI limit for an engineering consultancy depends on project values, client requirements and the liability environment for your discipline. We discuss these factors with you, rather than defaulting to the minimum that keeps your registration current.
Multi-year projects, staged designs and long-running engagements create complex PI timing questions. We discuss how cover can run across the full project lifecycle.
A structural defect claim or a design certification dispute can be complex. We assist you with claims on your behalf from the first notification through to resolution.
Tell us about your situation and a broker will come back to you — no jargon, no pressure, no obligation.
General advice warning: any advice we provide is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement and our Financial Services Guide.
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