fbpx

Engineering Solutions

PANORAMIC RISK SOLUTIONS

ENGINEERING

Engineers are champions of change, adopting new technologies and ways of working more readily than any other field. But as the way you do business evolves, so do your risks—and you’ll need a broker who can keep up with the pace. Whether you’re designing a massive condo complex, a new transportation hub, or a lighting system, PROLINK will leverage over 30 years of experience in serving engineering firms to help you find your perfect fit.

Our Panoramic Risk Management Process

Our primary objective is to provide your business with a panoramic view of your business landscape, highlight the unique threats that may impede your success, and arm you with the tools you need to combat any organizational stress. PROLINK will help you:

1. EXPLORE

Build relationships with specialists who will provide genuine advice and follow-through, regardless of what field you’re in or which industries you serve.

2. NAVIGATE

Focus on your next project while our dedicated advisors stay on top of emerging risks, vulnerabilities, trends, and legislations that could affect your business. We’ll share what steps others in your industry are taking and advise you accordingly.

3. IMPLEMENT

Leverage our risk management and insurance solutions to retake control and stay ahead—no matter the obstacle, element or hurdle you encounter.

4. RECALIBRATE

Reassess your risk management strategy and pursue your goals with confidence.

Get our Top 5 Risk Management Tips for Engineering Firms

Solutions Suite

All of our programs are meticulously crafted for the Engineering Industry and will help you protect your business, your staff, and your financial security from risk.

Professional Liability Insurance

What is it?

Professional Liability Insurance will protect your business from accusations of errors, omissions, or negligence committed within the scope of your profession as an Engineer. It’ll cover your damages—legal expenses, administrative costs, and court settlements—even if the claims made against you are groundless.

Why do we recommend it?

Depending on your field and where you practice, Professional Liability Insurance may or may not be mandated by a regulatory body. But even if it’s not a requirement, there are countless reasons why Professional Liability Insurance is critical for Engineering firms.

No matter how careful or cautious you are, errors are inevitable in the design process. Maybe you were misled by a subcontractor or a designer misread your plans. Or maybe you just gave a client some general advice or direction. But in your line of work, even a single miscalculation can have devastating consequences. While not every engineering failure leads to damage or injury, small errors can still compromise a project and cost you time, money, and reputational harm. And keep in mind: a client doesn’t always need grounds to sue. As long as they believe you’re at fault, they can take you to court. Without the right policy, you’ll have to shoulder the expenses out-of-pocket.

Common Professional Liability claims for Engineers include:

  • Design errors;
  • Under-design or design flaws that lead to costly repairs;
  • Documentation errors;
  • Insufficient field review;
  • Project delays or scheduling issues;
  • Budget issues;
  • And more.

Commercial General Liability Insurance (CGL)

What is it?

Commercial General Liability Insurance (CGL) will protect your firm from third-party claims of bodily injury, property damage, and reputational harm caused by your professional activities or business operations.

Highlights:

CGL Insurance will protect you from common risks that all businesses face regardless of size, trade, or industry. Whether your firm is large or small, online or on the ground, you could be liable if any kind of damage or injury to a client, vendor, supplier, or other third-party is traced back to you or staff. As an Engineer, you’re particularly vulnerable if you or your employees:

  • Own, rent, or lease a commercial space that’s open to the public;
  • Visit job sites, your client’s office or home, or operate anywhere else outside of your office; and
  • Advertise or create marketing materials for your products, or services.

Cyber Insurance

What is it?

Cyber Insurance protects your business and offsets your losses in the event of a breach, like if your company’s information is stolen or exposed by a hacker, or accidentally released by an employee. This policy typically includes the following coverages:

  • Legal coaching on how to handle the breach with privacy regulators;
  • Funds for credit monitoring and client notification costs;
  • Funds for court-awarded damages and legal fees in case of a civil suit; and
  • Public relations services to manage any reputational fallout from the breach.

Highlights Include:

  • Coverage for First Party Liability Expenses–when a breach happens at your own business. The policy will provide coverage for expenses associated with: Event Support Services, Crisis Management Expenses, Network Business Interruption, Digital Asset Restoration, Network Extortion/Ransomware, Cyber Crime, Computer Replacement, and Business Interruption.
  • Coverage for Third Party Expenses in the event that you’re sued by a third party whose data was compromised in the breach. This includes costs associated with Privacy Regulation Penalties, Multimedia Liability, Payment Card Industry Fines and Penalties, and more.

Why do we recommend it?

As an Engineer, it’s not just the loss of client names and addresses you have to worry about in the event of a breach; it’s your blueprints, technical innovations, corporate banking accounts, and project data, especially for any high-profile or government jobs. Plus, if hackers manage to compromise your networks, the resulting fallout—operational disruptions, legal woes, regulatory fines, bad press, and more—could easily cripple your business. Additionally, if you license any systems or applications from a third-party and they’re compromised in a breach, you’re still liable for any damage caused to clients. That’s where Cyber Insurance comes in. With a comprehensive policy, you can protect your company from financial loss and get ahead of a breach without losing business momentum or taking a massive reputational hit.

Directors & Officers (D&O) Insurance

What is it?

Directors & Officers Insurance protects your business leaders and board members if they’re personally sued for any actual or alleged wrongful acts in managing the company.

Highlights Include:

  • Side A Coverage: Protects Directors and Officers in the event of a claim where the company cannot or will not cover their personal liability.  Specifically, Side A will extend coverage to the Director/Officer for any financial exposure related to wrongful acts allegedly committed before or during the policy period, protecting their personal assets in the process. In the event a Director/Officer is found liable, Side A Coverage would pay any legal costs or settlements up to the policy limit and included within the policy terms.
  • Side B Coverage: Protects the organization in the event of a claim where it DOES decide to defend the Directors and Officers. If a Director and/or Officer is found liable, and the organization covers their legal fees/settlements, the organization can claim reimbursement under Side B of their Directors & Officers Policy.
  • Side C Coverage: Protects the entity itself for any claims related to traded securities. For example, if shareholders filed a lawsuit related to securities traded on the stock market, Side C would extend coverage for any legal costs incurred by the company in the process of defending itself.

Why do we recommend it?

With rising calls for corporate accountability, Business Leaders in the Engineering sector are particularly exposed to D&O risk. Why? Many engineering firms seek investment capital from third-parties to fund their growth. But if the returns don’t materialize, your investors can bring a lawsuit against you to recoup their losses. And unfortunately, the consequences for Directors and Officers facing allegations of mismanagement are severe. Both your corporate and personal assets can be at stake—and your company won’t always be able to reimburse your losses. With a comprehensive D&O policy, you can protect yourself and any other business owners, shareholders, investors, and employees from exposure.

Commercial Property Insurance

What is it?

Commercial Property Insurance protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.

Why do we recommend it?

Whether you own, lease, or rent commercial space or work from home, your general liability or homeowner’s policies won’t reimburse you for any damage to your office contents. And without Property Insurance, the impact of repair and replacement costs following a break-in, fire, or other disaster could be financially devastating, especially if you lose any valuable tools, designs, or key documents that are critical to your operations.

Group Benefits Insurance

What is it?

Group Benefits Insurance offers fully customizable Health, Dental and Drug plans for you and your employees at competitive rates.

Why do we recommend it?

The success of any organization relies on the well-being of its people. When employees are healthy—when they feel supported by workforce leaders—businesses are resilient in the face of an uncertain future. That’s why it’s key to protect your employees’ physical, mental, and financial health with a strong benefits package. Our Protect & Perfect risk management approach to group benefits can align your firm with a comprehensive program that reflects your staff’s needs, business challenges, and financial goals.

Risk Management Advice

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

Meet Our Team

Our dedicated team of experts is here to support you at every step. We will help you feel confident in your ability to manage risk, so that you can focus on growing your business with less worry.

Practice Lead, Engineering Risk Solutions


Sue Barr is a licensed broker with over 16 years of experience in the commercial insurance industry. As a Practice Lead, Sue advises engineering clients on a full range of professional insurance coverages and risk management strategies. She leverages her expertise to provide an exceptional and consultative experience at every level of interaction.

Sue Barr RIBO, CAIB

Assistant Account Manager


Brooke has over 12 years of experience in the insurance industry. As an Assistant Account Manager, Brooke supports the Engineering Practice with a variety of day-to-day administrative tasks to simplify insurance transactions and ensure a consistent client experience.

Brooke Somerleigh 

Sue Barr

Sue Barr RIBO, CAIB

Practice Lead, Engineering Risk Solutions

Sue Barr is a licensed broker with over 16 years of experience in the commercial insurance industry. As a Practice Lead, Sue advises engineering clients on a full range of professional insurance coverages and risk management strategies. She leverages her expertise to provide an exceptional and consultative experience at every level of interaction.

Brooke Somerleigh

Brooke Somerleigh

Assistant Account Manager

Brooke is an insurance broker with over 12 years of experience in the insurance industry. As an Assistant Account Manager, Brooke supports the Engineering Practice with a variety of day-to-day administrative tasks to simplify insurance transactions and ensure a consistent client experience.

GET IN TOUCH

All Engineers should adopt a proactive approach to risk management to help mitigate their exposures and any resulting fallout from a claim. For more guidance, connect with PROLINK.

Plus, once you fill out the form below, you’ll have access to our top 5 risk management tips for engineering firms.


    Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits


      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

      Search
      Generic filters
      Exact matches only