Consulting, Design & Project Delivery
Engineering Insurance
Cover designed for consulting, design, and project-based exposures. We structure protection across professional liability, contracts, and operational risks for engineering professionals.
Why Engineering Firms Need Specialist Insurance
Engineering professionals carry significant liability for their design, advice, and project oversight. A single design error, miscalculation, or supervision failure can result in multi-million dollar claims — and standard business insurance doesn't cover professional negligence. We work with structural, civil, mechanical, electrical, and geotechnical engineers to structure insurance programmes that match their project portfolio, contractual obligations, and professional risk profile. In New Zealand's post-earthquake environment, engineering liability has never been more scrutinised.
What We Cover
Our engineering insurance programmes address the full spectrum of professional, operational, and project-specific risks that engineering firms face.
Cover Types
Who Is This For?
Why Exclusive Insurance Services?
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What Insurers Typically Need
Information an insurer may require
Underwriters generally ask for the following when quoting or renewing this class of risk. Being ready with accurate information usually improves outcomes on price and wording.
Fee income by discipline (structural, civil, geotech, MEP, project management)
Split of NZ vs offshore work and any high-hazard sectors (seismic, marine)
Contract types and any liability caps or uncapped indemnity clauses
Prior claims and circumstances notified over the last 5–10 years
CPEng / IPENZ registrations of principals and named engineers
QA systems, peer review protocols and design-check procedures
When Something Happens
Claims considerations
We help manage the claims process from notification through to settlement, coordinating with you, the insurer and other parties involved and advocating for your interests throughout. Things that commonly affect a claim in this area:
PI is claims-made — notify any circumstance as soon as it is known, even before a formal claim is made.
Preserve design files, calculations, correspondence and site records; they drive both defence and liability position.
Where multiple consultants and a contractor are involved, the wording of collateral warranties and liability caps determines who bears what.
Post-quake structural review scrutiny in NZ has extended limitation-period exposure; run-off cover is critical after retirement or sale.
Frequently Asked Questions
Do engineers need professional indemnity insurance?
Yes. Professional indemnity (PI) insurance is essential for engineers in NZ. It covers claims arising from professional negligence, errors, or omissions in your design, advice, or supervision. Most contracts require evidence of PI cover before engagement.
How much PI cover do engineers need?
The required PI limit depends on your project values, contractual obligations, and risk profile. Many NZ contracts specify minimum limits of $1-5 million. We assess your portfolio and recommend appropriate cover levels.
What is run-off insurance for engineers?
Run-off insurance provides continued PI cover after a firm ceases trading or an engineer retires. This is important because claims can arise years after a project is completed. We help structure your run-off cover to reflect your historical project exposure.
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About this page
Reviewed by Adi Sehgal
Verified adviserDirector & Principal Adviser
This page is general information about the class of cover. Actual cover, terms, premiums, limits, exclusions and eligibility vary by insurer, policy wording, underwriting decision and individual client circumstances. Nothing on this page constitutes personalised financial advice.