Why Professional Liability Insurance Is Critical for Engineers
Even the most diligent engineering professionals can face claims related to:
- Design errors or omissions
- Project delays or cost overruns
- Intellectual property disputes
- Cyber and privacy breaches
- Licensing board complaints
- Contract disagreements
- Alleged negligence
Defending even an unfounded claim can cost thousands in legal fees and lost time. Professional Liability Insurance — also known as Errors and Omissions (E&O) Insurance for Engineers — helps protect you from these financial exposures.
General liability insurance does not cover professional services. A dedicated Engineering Professional Liability policy is essential.
Coverage Designed Specifically for Engineering Professionals
The AMBA Professional Liability Insurance Program includes both foundational and enhanced protections tailored to engineering practices.
Core Coverage Features
- Broad definition of covered professional services
- Claims-made coverage with prior acts protection available
- Wide range of liability limits
- Multiple deductible options, including $0 options
- Coverage for partners, officers, owners, and employees
- Group rates based on the buying power of AMBA
Enhanced Engineering-Specific Protections
- Intellectual property coverage
- Privacy breach remediation coverage (up to $250,000 per policy period)
- Coverage for computer-related exposures
- Licensing board defense coverage
- Reputational management reimbursement
- Longevity diminishing deductible
- Protection for technology-related services
This coverage is built to address the evolving risks engineering professionals face in today’s technical environment.
Built-In Risk Management Support
The AMBA Program goes beyond insurance coverage.
Participants may receive access to valuable risk management resources, including:
- Up to three free hours of contract review
- Dedicated risk management and claims hotline
- Pre-claim assistance
- Educational resources and webinars
- Preventative guidance tailored to engineering practices
Members may also qualify for a premium credit upon completion of the AMBA Risk Management Course. Insurance should not just respond to claims — it should help prevent them.
Who This Coverage Is For
This program is designed for:
- Independent engineers
- Self-employed professionals
- Full-time engineering consultants
- Part-time or temporary consultants
- Small engineering firms
- Technical service providers
If you provide professional engineering services, this policy is structured to protect your practice.
More About the AMBA Professional Liability Insurance Plan
Coverage is underwritten by an admitted carrier rated “A” (Excellent) by AM Best and backed by Lloyd’s of London.
Lloyd’s is globally recognized for underwriting complex and technical risks — making it a strong foundation for engineering professional liability coverage.
When selecting professional liability insurance for your engineering firm, carrier stability and claims-paying reputation matter.
What to Look for in an Engineering Professional Liability Policy
Not all Professional Liability or E&O policies are the same.
When comparing options, engineering professionals should evaluate:
- Breadth of professional services definition
- Prior acts coverage
- Deductible structure
- Intellectual property protection
- Cyber and privacy protections
- Licensing board defense
- Risk management services
- Financial strength of the underwriting carrier
The AMBA Professional Liability Insurance Program is structured to deliver comprehensive protection with competitive group-based rates.
Sensible Protection You Can Afford
Prior Acts Coverage
Prior Acts coverage is available if you currently have Professional Liability Insurance. A retroactive date will be placed on your policy, and acts that occurred after that date are considered for coverage.
Premium Financing Payment Options Help Balance Budgets
For individuals or small firms with premiums of $1,000 or more, premium financing is available at competitive annual percentage rates (APR). It’s a great tool to help you budget your liability protection.
Credit Cards
For individuals or small firms with premiums of $1,000 or more, MasterCard or Visa may be used to pay your professional liability premiums.
Contact Information
We’re here to help! Please contact us in whatever manner is most convenient for you.
Program Administrator Address
ASME Insurance Program Administrator
AMBA Administrators, Inc.
4050 114th Street
Urbandale, Iowa 50322
Phone
Hours
Monday - Friday 7:30 AM - 6:00 PM CT
Application & Payment Mailing Address
Administrator, ASME Insurance Program
AMBA
PO Box 14555
Des Moines, IA 50306
About This Program Information
This is merely a brief summary of how claims-made coverage works. The actual policies will determine coverage. We advise that you read and understand the policy language for the plan options you receive. The policy terms and conditions will govern coverage at the time a claim is made. Please read the policy carefully. All terms are subject to underwriting.
The AMBA Professional Liability Insurance Program is available to members residing in the United States. Please note, coverage options may vary or may not be available in all states. Please call 1-800-640-7637 if you would like more information on how plan options/availability may vary by state.
Frequently Asked Questions
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who underwrites and backs the AMBA Professional Liability Insurance Program?
The AMBA Professional Liability Insurance Program is designed specifically for AMBA members in partnership with AMBA. This coverage is offered in collaboration with an admitted carrier, National Specialty Insurance Company, rated “A” (Excellent) by AM Best and backed by Lloyd’s of London, the world’s leading insurance market providing specialist insurance service.
What does professional liability insurance cover for engineers?
Professional liability insurance (also known as E&O insurance for engineers) helps protect against claims alleging negligence, errors, omissions, design flaws, or failure to perform professional services as expected.
It may also include defense costs, settlements, and judgments — even if a claim is groundless.
Is professional liability insurance required for engineering firms?
While requirements vary by state, client contracts often require engineering firms and consultants to carry professional liability insurance. Many firms consider it essential risk management protection.
What is prior acts coverage?
Prior acts coverage protects you against claims arising from professional services performed before your current policy’s start date, provided there has been continuous coverage.
How is professional liability different from general liability?
General liability insurance typically covers bodily injury or property damage.
Professional liability insurance covers claims related to professional services, advice, or technical work — which general liability does not cover.
What are the Limits and Deductibles available to me?
The AMBA Professional Liability Insurance Program offers a wide range of limits and deductible options. Please contact a representative at 1-800-640-7637 for more information and learn about what options would be best for you.
Are flexible premium payment options available?
When purchasing your professional liability coverage through the Professional Liability Insurance Program for AMBA Members, you can pay for your premium in one of the following ways:
- With a check or money order;
- If your premium is $1,000.00 or more, premium financing is available at competitive annual percentage rates; or use MasterCard or Visa.
Does the program provide Prior Acts coverage?
Yes, Prior Acts coverage is available if you currently have professional liability coverage. A retroactive date will be placed on your policy, and acts that occurred after that date are considered for coverage.