Professional Liability Insurance for Engineers in Ottawa

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Engineering contractors in Ottawa work on complex and highly scrutinized projects. We know you’re busy. That’s why EasyCover makes it simple for engineering consultants in Ottawa to get professional liability insurance coverage. You can get your free quote, bind your policy and pay your annual premium online, all in a matter of minutes, without needing to speak to someone. You’ll be back to work in no time—with peace of mind knowing your business is protected. 

What is professional liability insurance for engineers in Ottawa? 

Professional liability insurance is a unique form of coverage specifically for individuals who provide professional advice or services, such as engineers in Ottawa. It’s also known as errors and omissions insurance because it provides protection in cases where mistakes are made, or important details are inadvertently omitted. 

Professional liability insurance can help engineering consultants cover their legal costs when a client claims they’ve suffered financial damages because of your work—be it project delays, product repairs, design errors or many other scenarios. The coverage that professional liability insurance offers engineers in Ottawa could include paying defence fees, settlements and judgement awards. 

5 reasons engineering contractors in Ottawa need professional liability insurance: 


Mistakes can and will happen 

No matter your years of experience, level of knowledge and skillset, errors will happen. Clients can sue to recover any financial losses they incurred because of a mistake in your professional advice or service. Professional liability insurance can help engineering contractors in Ottawa pay any necessary restitution. 


Protection even when you’re innocent 

Our society is becoming increasingly litigious, which means you could find yourself fighting a baseless claim one day. You must pay to defend yourself, whether or not the claims made against you are warranted—and professional liability insurance can help engineering contractors in Ottawa cover legal expenses in such situations. 

Your other coverages might not be enough 

You might have other insurance coverages and wonder if professional liability insurance is truly necessary. But, in most cases, only professional liability insurance can help engineering contractors in Ottawa cover defence expenses when a client claims an error in your professional advice or service caused them financial damages. This is different from general liability insurance, which provides protection should your business cause third-party bodily injury or property damage. 

Your clients might require it 

Some client contracts could stipulate that the engineering consultant they hire in Ottawa carry a certain level of professional liability insurance. This shows clients that you are financially prepared to cover any monetary damages that stem for your professional advice or service. Without professional liability insurance, you could lose out on work as clients opt to hire someone else.  

It’s affordable peace of mind 

With EasyCover, professional liability insurance rates for engineering consultants in Ottawa could start under $1,000 per year for $1 million in coverage. Several factors as noted below will determine your rate and you can get your free quote in just a couple of minutes online. 


What affects professional liability insurance rates for engineering contractors in Ottawa? 

There are several factors that’ll determine your professional liability insurance premium, including your area of expertise, your annual revenues, number of employees, which provinces you operate in and your insurance history. 

 It’s also affected by your coverage options, such as how much coverage you want and if you additional protection such as commercial general liability and cyber liability insurance.

EasyCover provides protection to the following engineering consultants in Ottawa: 

  • Acoustic engineers  
  • CAD / CAE engineers  
  • Chemical process engineers  
  • Civil engineers (excluding structural)  
  • Commissioning engineers  
  • Draughtsman  
  • Electrical engineers  
  • Electrical inspectors  
  • Expert witnesses  
  • Geologists  
  • Health and safety consultants  
  • Heating and ventilation engineers  
  • Mechanical engineers  
  • Mining engineers  
  • Oil and gas engineers  
  • Project managers  

If your speciality isn’t listed, let us know. We are happy to refer you to a trusted insurance partner. 

Optional Coverage for Engineers in Ottawa 

Besides offering professional liability insurance, EasyCover also offers optional coverages for engineers in Ottawa.  

Commercial General Liability Insurance (CGL) 

Commercial general liability insurance (CGL) is the most basic form of liability insurance.  It offers protection in the event that you or any of your employees accidentally injure a third party or cause damage to their property while carrying out business operations. This includes any injuries or damages that occur on your premises or on a client’s property. 

 CGL insurance is considered a critical coverage option and if you have professional liability insurance but leave CGL out, you may leave your business vulnerable. We start CGL coverage at $1 million but you can choose higher limits if desired or required. 

We recommend this coverage if you have an office space that clients visit or if you handle property belonging to your clients.

Directors and Officers Liability Insurance 

Directors and officers can be held personally responsible for their actions while serving on a board of directors if they have acted outside the law or failed to perform their duties properly.  Directors and officers liability insurance (D&O) is designed to offer protection for directors and officers, covering legal expenses from claims brought by regulatory bodies, suppliers and vendors, employees, creditors, and customers. 

Criminal penalties or offences will not be covered as this type of loss is not insurable by law 

Cyber Liability Insurance 

Cyber liability insurance is designed to help cover certain costs following an alleged or actual hacking event or privacy breach. EasyCover’s cyber liability coverage includes network security liability and privacy liability. It may help cover the cost of network security and privacy breach costs, business income interruption losses, defence costs, extortion fees, digital asset losses, and regulatory fines. 

Every policy has a specified limit, so be sure to familiarize yourself with yours and note any exclusions or separate deductibles. 

Protect yourself against the unexpected.

Protect yourself against the unexpected with Professional Liability Insurance for Engineers in Ottawa from EasyCover.

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