Architect and Engineer Insurance

You can save up to 25% in discounts on business insurance*

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Customized insurance designed for architects and engineers

NEXT Insurance is a one-stop shop for architect and engineer small business insurance.

Whether you have a firm with partners and employees or you’re working independently, we’ll help you quickly get insurance online at an affordable price so you can get to work.

Oh, and you’ll save up to 10% when you bundle two or more of our policies.

We specialize in business insurance for architects and engineers

Choose your profession for more information or start an instant quote and get covered fast

Architect, Civil Engineer, Engineer, Interior Designer, Land Surveyor
Dedicated small business insurance

Why do architects and engineers need business insurance?

Business insurance offers you protection from a wide range of unexpected events and accidents, from an error in your plans to a collision involving your work vehicle.

As an engineer or architect, you’re almost always required to have insurance to work on client projects. With the right coverage, you can do your work and focus on the job knowing that you have the protection you need from project risks.

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How architect and engineer liability insurance protects your small business

Engineer and architect liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property, or if someone says that your work mistake caused financial losses.

We combine two types of liability insurance in our business insurance packages:

General liability is the basis of solid insurance coverage for architects and engineers. Given how much time you spend on property that doesn’t belong to you, it’s probably not hard to imagine that at some point you could cause or be blamed for damaging building materials at a construction site or breaking a piece of machinery in a manufacturing facility.

Learn more about General liability for architects and engineers.

Professional liability insurance (also known as errors and omissions), covers you for cases where you are accused of not having done your job properly, whether that’s true or not. If you make a mistake in your plans that causes a financial loss, you could be faced with a lawsuit. Your coverage can help pay for costs to defend your business or fix the problem.

Learn more about Professional liability for architects and engineers.

How much does insurance cost

How much does engineer and architect business insurance cost?

You can save up to 25% in discounts when you buy engineer or architect small business insurance with NEXT. The exact amount you pay will depend on:

  • The types of projects you work on
  • Where your clients are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work

Business insurance has never been easier

Customized business insurance to protect you and your clients
Business insurance in less than 10 minutes

Fast

Buy your policy in just 10 minutes and you can save up to 25%*

Easy monthly payments

Flexible

Set up monthly or annual payments, and get unlimited proof of insurance at no extra cost

Get business insurance online

Convenient

Do it all 100% online or talk to a licensed U.S.-based advisor

Other important business insurance coverage for engineers and architects

Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your vehicles and your business property.
We typically recommend:
Workers Compensation
Workers’ Compensation for building inspectors

Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from being struck by a falling beam at a construction site.

This coverage is required for businesses with employees in every state except Texas.

Learn more about workers’ comp.
Commercial Auto
Commercial Auto insurance for surveyors and mappers

You’ll need commercial auto insurance in most states if you own work vehicles that are titled to your business.

You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own car to meet with clients or visit work sites, it probably won’t be covered under your personal car insurance.

Learn more about commercial auto.
Tools & Equipment
Commercial Property insurance for architects and engineers

Architects and engineers who own or rent physical spaces will need property insurance to help protect business equipment, inventory and furniture. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

Learn more about commercial property.

Architects and Engineers trust business insurance with NEXT

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Frequently asked questions about architect and engineer insurance

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.