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Essential coverages to meet client demands
Professional Liability (E&O) will protect your business from the mistakes done by your business or if you fail to provide the contracted services. This is regardless of whether the claim is actual or alleged. The insurance will cover for the legal costs and claims and the damages when your business is involved in a covered liability.
General Liability insurance protects your land surveyor business from third-party claims involving bodily injury, personal property damage, advertising mistakes, and other related risks. The insurance will cover the cost of attorney fees, court fees, litigation and payment for the damages awarded by the court.
Commercial Auto insurance will cover the cost of repairing or replacing the vehicle you use for business purposes as well as bodily injury and other related risks. It has higher coverage limits than your personal auto insurance, thus better safeguards your business when a vehicular accident occurs.
Workers' Compensation insurance is state-mandated if you meet the required minimum number of employees. The insurance covers medical costs of an employee who has become ill or injured on the job. It also covers rehabilitation costs and lost wages until the employee is able to work again. The insurance then relinquishes the employee rights to sue your employer for negligence.
In this industry, workers survey and map the surface of the earth. Services include cadastral surveying, mapping (except geophysical), cartographic surveying, topographic surveying, and geodetic surveying.
Due to the unique risks that your business may encounter, land surveying services should have insurance policies that could cover for these risks. Every potential risk can easily destroy not just your job, but your financial assets as well. Land surveyors need insurance to protect them from these types of risks.
Most don’t realize the potential dangers that land surveying services can face. Below are some of those:
The cost of an insurance policy for land surveyors depends on the type of insurance required, the size of your business and the number of employees you have. Without taking these into account, below are the average cost of insurance policies for land surveyors:
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