Engineering Insurance
Protect your business from third-party injury and property damage claims with public liability insurance designed for Australian businesses, tradies, and contractors.
Protect your business when things go wrong around people, projects, and design responsibility
Engineering work carries significant professional and operational responsibility. A design error leads to structural issues. A contractor is injured near equipment you installed. A client alleges project delays due to engineering advice. A component fails and damages a third party’s property. These events can lead to significant financial consequences.
Engineering insurance including public liability, professional indemnity, product liability, and project-specific cover protects your business when clients or third parties allege injury, damage, or financial loss. It can respond to legal defence costs, rectification expenses, settlements, investigation costs, and contract requirements.
Coverite Insurance supports engineers across Australia, working on small private projects through to large-scale civil, commercial, industrial, and infrastructure works. We assess your design risk, site exposure, subcontractor involvement, and contractual obligations to ensure your insurance reflects real engineering risk not a generic off-the-shelf policy.
Insurance for engineers involved in design, installation, fabrication, inspections, and consulting
Whether you design structures, install systems, oversee fabrication, or provide technical advice, engineering work comes with strict professional obligations and high-value project risk. We support engineering businesses of all sizes by arranging insurance programs that reflect professional liability exposures, WHS requirements, and complex contractual terms.
Trusted Support When It Matters Most
Engineering claims are often complex involving technical reports, design reviews, contract interpretation, incident investigations, defect analysis, and negotiations between multiple parties. Coverite supports you at every stage, ensuring you’re never left to navigate a high-stakes engineering claim alone.
Why clients choose us:
- Advisers who understand engineering projects and design risk
- Support during incidents, claims, and contractual disputes
- Fast, clear communication when issues arise
- A long-term partnership focused on protecting your reputation
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your engineering work the projects you deliver, your design responsibilities, and any contract requirements and we’ll search Australia-wide to find the right insurance program.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key engineering insurance cover we help arrange
Professional Indemnity (Engineering Design & Advice)
Protects your business from claims alleging financial loss due to design errors, incorrect calculations, engineering oversight, certification issues, or project delays.
- Covers engineering design, drafting, documentation, and certification
- Includes claims for miscalculations, specification errors, or omissions
- Essential for civil, structural, mechanical, electrical, and consulting engineers
- Required for government, commercial, and infrastructure contracts
Public Liability Insurance (Site & Project Work)
Covers your legal liability if a third party alleges injury or property damage arising from your engineering operations.
- Responds to site incidents, installation work, inspections, and testing
- Covers damage caused by equipment, tools, or engineering activities
- Includes defence costs and representation
- Can align with principal contractor requirements
Product Liability (Components, Fabrication & Supply)
Protection if a component you design, manufacture, or supply causes damage after installation.
- Important for fabrication, machining, manufacturing, and custom engineering
- Covers failure of parts, components, assemblies, or engineered systems
- Often required for OEM and supplier agreements
Contractual Liability & Principal’s Liability (Engineering Projects)
Engineering projects often involve complex contracts that transfer additional legal responsibility to you. This cover helps ensure you meet contractual obligations without unintentionally accepting uninsured risk.
This cover supports you when:
- Contracts require principal’s indemnity, waiver of subrogation, or hold-harmless agreements
- You are working under government, Tier 1 / Tier 2 contractor, or infrastructure project terms
- Engineering work involves joint ventures, consortiums, or multi-party liability
- Clients request adjustments to limits, endorsements, or insurance wording
- You need to ensure liabilities accepted under contract remain insurable
Errors, Omissions & Specification Failure (Technical Engineering Work)
Provides protection for unintentional mistakes, omissions, or incorrect specifications in calculations, material selection, design criteria, or technical instructions.
Helps cover risks such as:
- Incorrect calculations leading to structural instability or malfunction
- Misinterpreted engineering codes, standards, or regulations
- Specifying unsuitable materials, components, or installation tolerances
- Errors in engineering drawings, BIM models, schematics, and documentation
- Failure to identify site hazards or environmental constraints
Installation, Testing & Commissioning Cover
Protects you during high-risk phases of engineering projects where equipment or systems are being installed, tested, or commissioned.
This can include:
- Damage to systems under test conditions
- Faults arising during the first operation or start-up
- Failures during pressure testing, load testing, performance testing, or calibration
- Electrical or mechanical issues that arise during commissioning
- Damage to third-party property related to testing activities