Engineer profession and the risks of the profession

THE engineering profession falls within professional duties with the obligation to take out compulsory professional engineering insurance. This means that all professionals, whether freelance or employed, must necessarily be insured in order to practice. This is in accordance with Presidential Decree 137/2012 which established that anyone who carries out any type of work in the engineering field must be protected. Both personally, from any accidents and damages suffered during work, and towards its customers and collaborators.

What does an Engineer’s Professional Liability Policy cover?

The policy of civil liability insurance of the professional covers all damages that may be caused to customers in carrying out their business Engineer whether it refers to planning, construction management, safety, or the interpretation of urban planning constraints. In practice, all those activities for which a registered engineer can issue an invoice are insured. In all these cases the insurance serves to indemnify the insured against what he is required to pay in the event of compensation. They include:

• Damages caused to third parties due to death, personal injury and destruction or deterioration of physically identified assets (excluding planned and/or directed works);
• Damage suffered by the planned and/or directed works and resulting from their total or partial ruin; The Company is also obliged to pay for errors committed by its employees in carrying out the tasks entrusted to them.

Why take out an Engineer’s Civil Liability policy?

Each of us works day by day to ensure a decent income for the present and to build economic stability for ourselves and our loved ones for the future. Caught up in the hustle and bustle of daily commitments, we rarely stop to think about the dangers that are sometimes around the corner and which could seriously compromise what we have built with so much effort and sacrifice. Even if we don’t think about it or try to delude ourselves that some things can only happen to others, there are cases in which a small distraction is enough for catastrophic consequences to happen. With a small expense, we can protect ourselves from these circumstances and secure ourselves, our family and our future.