Professional Liability Insurance

Innovative Solutions: The Way You Would Engineer Them

Even if you spend countless hours reviewing blueprints or closely supervising a construction site, you may be subject to a lawsuit.

As a civil engineer, you can trust ASCE and Pearl Insurance to help protect you against negligent acts, errors, and omissions with a professional liability plan tailored to your unique needs.

  • Exclusively endorsed by ASCE
  • Rated "A" by A.M. Best Company
  • Compensation for lost earnings
  • Optional defense coverage
  • "Prior Acts" Coverage Available
  • Premium Financing Available for qualifying firms
Get a Premium Estimate!


As an ASCE member, you'll enjoy many valuable program features, including:

  • Coverage limits to fit your firm’s unique needs—up to $10,000,000
  • Financial support to help offset defense costs
  • Representation by knowledgeable defense attorneys
  • Reimbursement of up to $500 per day for lost earnings
  • IMPROVED: Payment of up to $30,000 for state licensing board defense costs
  • Automatic claims-made or optional prior-acts coverage for qualifying firms
  • Competitive rates, plus additional premium adjustments
  • Strong, secure insurance carrier
  • Access to cost-effective premium financing

Innovative Features

  • Provides the per claim and aggregate limits to meet your business needs*
  • Offers expert defense counsel and financial assistance for legal costs and other claim expenses, up to limits of liability
  • Comes with an ASCE Pricing Advantage, plus up to a 10% discount at renewal for attending live seminars and webinars
  • Reimburses insured up to $30,000 for defense costs if insured engineer is brought before state licensing board—at no additional cost
  • Offers nationwide coverage—alternative placement options for firms located outside the ASCE program’s states
  • NEW: Reputation Management coverage1—Reimbursement of expenses up to $15,000 of the first $30,000 in Public Relations costs
  • NEW: Privacy Breach coverage1 up to $100,000 per coverage period
  • NEW: Drone coverage1 up to $5,000 per coverage period
  • NEW: Employment Practices Liability coverage2 up to $25,000 per coverage period
  • NEW: Longevity Deductible Reduction Endorsement3guarantees up to 50% deductible reduction (up to a max of $25,000) on the first claim during the coverage period

*Excess limits available beyond $2,000,000; call for more details. Important Note: Program not available to insure unlicensed engineers or high-exposure practice areas that involve geotechnical activities, pollution, asbestos, nuclear exposure, or products with multiple end users.

1Will apply to each policy at their next renewal or if issued as new business after the changes are implemented.

2Cost and availability may vary by state after changes are implemented.

3Will be available on a case-by-case basis subject to underwriting approval and qualifying firms must be longtime, loss-free ASCE professional liability program customers.