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Do land surveyors need insurance
Land surveyors who make precise measurements to determine property boundaries and update boundary lines should carry professional and general liability insurance. Various issues can occur when working with clients who take issue with or otherwise feel damaged by your services. Obtaining business insurance is a great way to protect yourself while continuing to provide an important service to your clients, which is especially true for service providers who work independently or own their own business.
Other occupations Hiscox insures
Insurance coverage available for land surveyors
For most land surveyors, there are two main types of insurance policies worth looking into, each of which provides its own aspects of protection to help you run your small business as smoothly as possible.
Professional liability insurance for land surveyors
Professional liability insurance—also sometimes called errors and omissions or E&O Insurance—provides a number of benefits for land surveyors, such as coverage for negligence, bodily injury and property injury, including defense costs. Although events such as fraudulent acts, and property damage aren't typically covered by professional liability insurance, this type of insurance is very important for anyone who regularly provides professional services or advises clients.
Imagine if this happened in your business. You complete a survey for a commercial property. The owner begins excavating based on your report, and the excavation contractor hits a gas line. The building has to be evacuated until the line can be repaired and gas service restored. The owner of the building sues you for lost revenue. You could be covered by a professional liability policy for defense costs as well as any settlement or judgment, up to your limit of liability.
When a client reacts negatively to your services or otherwise feels as if they have been damaged in some way by the services you provide as a land surveyor, getting sued is a possibility. Potential issues for land surveyors can come in many different forms, but you can protect yourself by getting professional liability insurance—a crucial tool for providing peace of mind to land surveyors.
General liability insurance for land surveyors
In addition to times when land surveyors can benefit from having a professional liability insurance policy in place, there are scenarios that are not typically covered under this type of policy. General Liability—also called commercial general liability (CGL)—covers land surveyors against property damage, claims of bodily injury and any associated medical costs.
Here’s an example of what your general liability policy could cover. While conducting a site survey at a horticultural museum, you inadvertently walk across an area where rare seedlings were recently planted. Several of the plants were destroyed. Your general liability insurance policy may cover the cost to replace the plants, up to your policy limits.
Though your property won't usually be covered under general liability insurance, damage sustained to third-party property typically will be.
Why do land surveyors choose Hiscox?
At Hiscox, we understand just how much work goes into being a surveyor. Whether you've opened your own business or are working in a different capacity, we can help you grow your career by reducing risk with our insurance policies, allowing you to focus on what really matters: providing accurate surveying services to your clients.
Here are six reasons why land surveyors choose Hiscox above other providers for professional and general liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Coverage for contracts: Our architects insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Ready to learn more about how Hiscox insurance can help mitigate risk with land surveyor insurance coverage? Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 855-974-6363 and speak with a Hiscox licensed agent, Monday through Friday from 9am-5:30pm ET.
Hiscox Customer Reviews
Roberto, Reading, PA
Rep. was knowledgeable and courteous
' Simple & straightforward process '
Setting up a new business has been challenging & Hiscox made this step of the process very simple & straightforward. I wanted to bundle my small business insurance w/the company that I have my homeowner's insurance with, but they simply did not understand the need for Professional Liability (E&O).
John, Sacramento, CA
“First time customer, prices seemed fair, customer service very helpful”
Very good, first time I’ve purchased one, so I don’t have anything to compare it with, but everything went smoothly.
Diana, Houston, TX
“Wonderful experience. God rates!”
Great! Very responsive! Great customer service.
Katherine in Blue Springs, MO
' Fantastic Customer Service '
Fantastic Customer Service! Quickly reviewed and assessed my needs saving me money and time. Loved getting my documents right away!
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.