Civil Engineering Insurance

SME Insurance

Civil Engineering Insurance

Erskine Murray have several markets that offer business insurance packages to suit engineering businesses, with insurance products designed for civil engineers and other groundworks industries to cover the risks your firm may face day to day.

We completely understand the needs of civil engineering firms, including other trades which are involved in concrete placing, directional drilling, haulage, paving, piling and other associated trades.

They often experience many risks associated with those involved with working at height, extreme depth, working with asbestos or working at other high-risk locations. This can result in insurance premiums being a considerable expense, or sometimes not being available at all. With our network of insurance companies and underwriters, we have a range of markets that we discuss tailoring a package with to suit your demands and needs.

What Insurance do Civil Engineers Need?

Our experienced brokers know a number of different insurance products which might be suitable for civil engineering firms, depending on the individual risks your business faces. The following tend to be popular with civil engineers:

  • Professional Indemnity insurance cover: to give protection if a client sues you because you have made a mistake in your work. Professional indemnity can cover the cost of legal fees and compensation payment.
  • Public liability insurance cover: to protect you against compensation claims made by a third party for injury or damage. This is essential for any business which comes into contact with members of the public, as a compensation claim can be made by clients, suppliers or even passers-by who are affected by your business have the rights to claim!
  • Employers’ Liability cover: is a legal requirement for businesses who employ staff. It pays the compensation, should an employer sue you for work related injury or illness.
  • Directors and Officers Insurance: protects your management against direct claims and the loss of their income.

There are other types of cover you may be interested in to add to your civil engineer insurance policy, such as business buildings insurance, business contents insurance or business legal protection insurance.

Why Choose Erskine Murray?

We are a leading insurance broker for businesses working with a number of insurance partners to offer a range of insurance products to suit differing specialist businesses and industries. Our modern, hands-on approach allows us to keep on top of industry changes and focus on developing long term relationships with our clients. With our head office in Leicester and offices in both the North and South of the country, we have a national reach, helping us to maintain our position as an Insurance Times Top 100 Brokers company.

SME Insurance by Sector


Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Consultants Insurance

As a consultant, your clients rely on you for your service and advice as well as being an expert in your field of work.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Domiciliary Care Insurance

If you are a self-employed carer, or you run a home care business, you are in a position of trust and responsibility.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.