What insurance does an engineering firm need?
Most engineering firms carry Professional Liability (Engineers E&O), General Liability, Workers' Compensation, Cyber Liability, and either a Business Owners Policy or standalone Property. The E&O policy is typically the central one — it covers design errors and contractual indemnity to clients.
Which carriers will quote engineering firm insurance through Delegance?
Delegance has indicated appetite from carriers including Hartford, Hiscox, and Travelers for engineering services across most U.S. states. The exact panel and per-line state availability are listed above. Indicated appetite reflects carrier guidance as of the refresh date and does not guarantee a quote — final eligibility depends on underwriting review.
Do engineering firms need both E&O and General Liability?
Generally yes. Engineers E&O covers professional errors (a design that's wrong, a missed code requirement, an incorrect calculation); GL covers slip-and-fall, bodily injury, and property damage at the office or a job site. They're complementary, not redundant — and most client contracts require both as a condition of working on a project, with minimum limits specified in the MSA.
Are there state-specific rules for engineering firm insurance?
Workers' Compensation is monopolistic in North Dakota, Ohio, Washington, and Wyoming — coverage is from the state fund with a Stop Gap policy from a private carrier. Some states require minimum E&O limits for licensed PE firms; Delegance verifies these against the state board requirements at quote time.
How fast can I get a quote or COI for my engineering firm?
Multi-carrier quotes typically return within 24 hours of submitting the intake — Delegance routes to every carrier in our professional services panel with indicated appetite simultaneously. Once bound, Certificates of Insurance — including additional-insured language and project-specific endorsements required by client SOWs — are generated in seconds via the portal, ChatGPT, Claude, Slack, email, phone, or MCP.