Structural Engineer Insurance | Structural Engineering
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Structural Engineer Insurance

Protect your business with Structural Engineer Insurance through Jensten Insurance Brokers.

What is Structural Engineer Insurance?

Structural engineer insurance is extremely important for businesses as you never know what may be around the corner. As an engineer, it will be your own personal responsibility to make sure that you are adequately protected from the risks you face.

Due to the nature of your work, compensation claims made against you can be extremely costly. There are also the added costs that are required to defend your business against allegations of wrongdoing or negligence.

Having the right structural engineer insurance in place can protect you against these losses by providing contractual insurance cover against payouts and the costs of defending claims made.

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What does Structural Engineer Insurance cover?

Cyber Insurance

A cyber insurance policy helps pay for financial losses they may incur in the event of a cyberattack or data breach. It can cover costs related to the remediation process, such as paying for the investigation, crisis communication, legal services, and refunds to customers.

Directors’ and Officers’ Insurance

D&O insurance reimburses the defense costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing. D&O insurance also covers monetary damages, settlements, and awards resulting from such claims.

Management Liability Insurance

Management liability insurance covers your business & people: directors & officers insurance, employment practice liability & corporate legal liability.

Office Insurance

Office insurance may include cover for structural faults, damage or loss to office furniture and property, plus public and employer liability.

Professional Indemnity Insurance

Commonly known as PI insurance, offers financial protection should a client sue you if you give poor advice or do something that results in financial or reputational losses.

Public liability insurance

If a member of the public is injured or their property damaged while on your premises, you can be held liable. Public liability insurance will protect you financially should you be sued for damages.

Why use Jensten


A dedicated team to Professional Service businesses


We are the trusted broker to Professionals


Tailored insurance to the needs of your business

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Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.


Contact us on our website whenever suits you

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Find answers to common insurance questions

Do you need Structural Engineer Insurance?

As an engineer, you are a problem solver, organiser, calculator and designer, offering a bespoke solution to fit your client’s vision. With the complexity of this work, you must have adequate cover in place to protect your business. Eliminate the stress of potential claims and invest in an insurance policy designed to suit the needs of your business.

Protecting your structural engineering business from these risks is complex and often will require a fully tailored policy to ensure you have the breadth of cover you need. Our team takes the time to understand the needs of your business; then, we put together a fully bespoke policy that will include insurance products that cover you for a range of claims. Often, a structural engineer insurance policy will include the following insurance products:

A summary of covers

Professional Indemnity Insurance

As a structural engineer, Professional Indemnity insurance will cover you for legal costs incurred if your business is found to have provided a service that is inadequate and resultantly causes the client financial loss. After all, as a professional, you will take pride in providing great work, yet if a disagreement were to occur, professional indemnity insurance can help with costs incurred in putting things right, including legal fees.

Public Liability Insurance

Public Liability insurance offers cover for you if either a client or a member of the public claims that they have been either injured or had their property damaged as a result of your business activities. Due to the nature of your work as a structural engineer, it’s important to ensure you’re covered by liability insurance that is appropriate to your specific activities.

Employers’ Liability Insurance

Employers’ Liability insurance offers protection for your business for claims made against you by your employees in the event of an injury, a work-related accident, or a work-related illness. No matter whether your staff work for you full-time or part-time, or are permanent, temporary or voluntary, you have a legal obligation to hold employers’ liability insurance.

Personal Accident Insurance

Having Personal Accident insurance can offer you and your family reassurance that, should you sustain a serious injury that stops you from working, you can continue to receive an income for an agreed period, meaning you can continue to meet bills and other such expenses.

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need Structural Engineer Insurance?

For comprehensive Structural Engineer Insurance

Structural Engineer Insurance

This is one of the more complex areas of cover, so to help you get the protection you need, here are our structural engineer insurance frequently asked questions. We hope they will help, but if you’d like some independent advice, please call us on 0161 440 7772 and we’ll be only too happy to help.

Professional Indemnity insurance protects businesses from claims made relating to advice your business has provided. If a client feels like they have been misadvised, they have the right to seek to gain compensation.

Indemnity cover (often known as liability insurance) can offer peace of mind in knowing that, should allegations be made against you, this can provide both legal assistance in defending your position and fund resulting damages you may become liable to pay.

Having engineers’ professional indemnity insurance means that not only are you provided with legal support, but also the costs to put everything right and, therefore, contribute to helping you to uphold your commercial relationships.

Many companies have now made professional indemnity insurance for engineers a compulsory condition should you wish to work with them, and they will not hire any engineers who do not have a comprehensive professional indemnity insurance policy in place.

A structural engineering company should have an insurance policy in place to manage the risks faced daily. Due to the nature of this work and the heavy involvement throughout the design and construction process, the policy will often include employers’ liabilitypublic liabilityprofessional indemnity insurance and any other relevant insurance products which may protect the business against claims from a third party.

Working with a specialist insurance broker with experience in insuring companies within the structural engineering industry is a great way to ensure your business has adequate insurance. They will take the time to understand your business’s operations and work with you to create a tailored policy that will offer complete protection for a wide range of risks that the business is exposed to

Here in the United Kingdom, the only type of business insurance that is mandatory under the law is employers’ liability insurance. This is a form of cover which offers protection against the personal injury of their employees. For any company that is employing a member of staff, whether it be freelance, part-time or full-time, you must take out this form of cover. 

The additional insurance products that you often hear associated with the structural engineering industry are recommended extras. As far as the law goes, employers’ liability is the one that is required at all times. This being said it’s still highly recommended to have other insurance products, especially when working within the construction industry, as this will help prevent the business from costly claims.

Cyber insurance is often the last type of cover that someone will associate with the construction industry. With a large proportion of the work being done out on a site, there are plenty of other insurance products which seem to be more relevant for this industry. This being said the recent shift to digital over the past ten years has led to a huge increase in cyber risk, therefore making it important to have adequate cover in place at all times.

Cyber insurance offers businesses protection against a range of security risks, including data breaches, hacking and the exposure of sensitive data. We now live in a day and age where our databases store valuable information, and without a suitable cover in place, a hack can lead to substantial claims, which your business may be left to cover the costs.

Professional indemnity insurance, otherwise known as PI insurance, offers protection against professional advice offered by your business. As a structural engineer, you are often helping to guide the design of a structure and advising other members of the design team on which decisions have to be made to give the structure sufficient stability. If this advice is perceived to be incorrect, your business is vulnerable to claims.

Professional Indemnity insurance will provide a layer of protection against your business from these types of claims. Structural engineers are open to a number of exposures around the advice and design work you undertake. Professional indemnity will provide protection for insured events if a client perceives this to be incorrect and proceeds to try and claim against your business.

Getting a quote is easy.  You can call the team or request a callback and one of the team will call you to discuss your needs.