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Building structure representing professional indemnity insurance for structural engineers

Structural Engineer PI Insurance

Professional Indemnity cover for structural engineers. Protection for the designs that keep buildings standing and occupants safe.

$20M

Cover Available

EA

Compliant

Same Day

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Recognition

Industry Awards

Your designs keep buildings standing. When structural issues emerge - cracking, movement, or failure - Professional Indemnity insurance protects you from claims that can threaten your practice and personal assets.

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Fundamental Safety

Structural engineering sits at the core of building safety. Your calculations directly determine whether buildings can withstand loads and remain safe for occupants. This creates significant professional exposure that other disciplines rarely face.

Long-Tail Liability

Structural defects can take years to manifest. Buildings may stand for decades before issues emerge. Your professional liability extends far beyond project completion, making continuous PI coverage essential throughout your career. Read more about run-off cover and when you need it.

WHY TANK INSURANCE

What to look for in PI cover

Structural engineering carries significant professional liability. We work closely with you to understand your specific risk, then arrange coverage suited to life-safety design work.

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01

Engineering Coverage

We work with insurers who understand structural engineering - load calculations, foundation design, and the types of claims that arise from structural failures.

02

EA Compliance

We work to confirm your policy meets Engineers Australia requirements and the expectations of registration boards in your state of practice.

03

Project-Scale Coverage

Your exposure relates to building size and complexity, not just your fees. We help you select limits that reflect the scale of structures you design.

04

Run-Off Protection

Structural claims can emerge decades after design. We work to make sure you understand run-off cover requirements when changing firms or retiring from practice.

PROFESSIONAL RISKS

Risks Structural Engineers Face

These structural design decisions carry professional liability that can crystallise when buildings fail to perform or structural distress emerges.

Structural design failures causing building collapse or damage
Foundation design inadequate for soil conditions
Deflection or movement exceeding serviceable limits
Connection details failing under actual loads
Retaining wall failures causing property damage
Roof structure designs inadequate for wind or snow loads
Concrete design errors in reinforcement detailing
Steel design undersizing causing structural distress

Every building relies on your calculations. PI insurance protects you when those calculations are questioned or proven inadequate.

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COVERAGE DETAILS

What Structural Engineer PI Insurance Covers

Professional Indemnity insurance for structural engineers covers claims arising from your structural design, calculations, and engineering advice.

High-rise building representing structural engineer PI coverage
High-rise building representing structural engineer PI coverage

Usually Covered

✓ Legal defence costs when structural designs are challenged
✓ Claims for structural failures or excessive movement
✓ Foundation design failures and settlement claims
✓ Connection detail failures in steel or timber structures
✓ Retaining wall failures causing property damage
✓ Certification and inspection service allegations

Not Typically Covered

✕ Construction workmanship failures (builder's liability)
✕ Deliberate design non-compliance with codes
✕ Known structural issues not disclosed at policy inception
✕ Criminal prosecution for building failures
✕ Physical damage during site inspections (Public Liability)
✕ Fines or penalties from engineering registration bodies

Structural failure claims often involve multiple parties - designers, builders, and certifiers. We can help you navigate the claims process and work with your insurer's legal panel.

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CASE STUDIES

Real structural engineer placements we've handled

From forensic rectification work to limit increases for larger project work, these are real outcomes from our structural engineering book.

QUESTIONS

Frequently Asked Questions

Structural engineering involves life-safety design decisions. Your calculations determine whether buildings stand or fall. If structural failures occur - collapse, cracking, or excessive movement - the professional and legal consequences can be severe. Adequate PI insurance is an important safeguard.
Foundation failures and excessive deflection are common claims. When buildings crack or move more than expected, investigation often focuses on the structural design. Connection failures, particularly in steel structures, also generate significant claims.
Engineers Australia and state registration requirements provide minimum guidance, but cover of $2M-$20M is typical. Large-scale projects - high-rise buildings, infrastructure, major commercial works - may require higher limits. Your exposure relates to project scale, not just fee income.
PI insurance is claims-made, covering claims made during the policy period. Structural defects can emerge years after construction, so maintaining continuous cover is essential. Run-off cover protects you after you stop practising.
PI insurance covers claims from any party alleging professional negligence - clients, building owners, certifiers, or councils. If your structural design is challenged by any stakeholder, the policy can respond to fund defence costs and any resulting liability.

PI Insurance for Structural Engineering

From residential footings to high-rise structures, we arrange Professional Indemnity cover that protects structural engineers from claims when buildings show signs of distress.

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