yet another insurance question

Question

yet another insurance question

HgTX (Civil/Environmental)

(OP)

6 Aug 10 01:03

Scenario: job does not require the job-holder to be an engineer, but it's considered a plus. Engineeringesque solutions may be proposed by the job-holder, but will ultimately be approved by the client. No sealing involved.

E&O insurance needed?

Hg

Eng-Tips policies: FAQ731-376: Eng-Tips.com Forum Policies

MacGyverS2000 (Electrical) · Answer 1 · 2010-08-06 06:30:30

If the job entails holding yourself out as a professional engineer, I would imagine so... but I'm not a lawyer.

Dan - Owner
http://www.Hi-TecDesigns.com

Ron (Structural) · Answer 2 · 2010-08-06 06:34:39

Being a licensed engineer, you will always be held to a higher duty than a non-licensed person; without regard to the task, assuming the task is something other than administration.

Chances are the premiums would be lower for such tasks, but who knows?

Given that, there's also the argument that insurance just makes you a target. There's a lot of truth in that.

Get an indemnification clause and a clear limitation of liability in your contract if you decide against insurance (do that anyway...the insurors like it).

rbulsara (Electrical) · Answer 3 · 2010-08-06 08:10:33

The relationship can be only a job-holder and "employer" OR a consultant and Client. Job-holder and Client relationship does not exist.

So if the consultant is licensed and provides engineering advice to a client (which he will most certainly document), the consultant is at risk. This has nothing to do with sealing drawings.

Although there are no law's requiring one to have an insurance. You do your business at your own risk.

Rafiq Bulsara
http://www.srengineersct.com

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yet another insurance question