{"id":20091,"date":"2025-05-12T17:08:33","date_gmt":"2025-05-12T21:08:33","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/engineering-firm-insurance-get-a-quick-quote\/"},"modified":"2026-06-26T02:51:33","modified_gmt":"2026-06-26T06:51:33","slug":"engineering-firm-insurance-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/engineering-firm-insurance-get-a-quick-quote\/","title":{"rendered":"Engineering office insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Insurance for engineering firms\", \"description\": \"Insurance for engineering firms in Quebec: professional liability OIQ, high-limit E&O, cyber, equipment. Compliant with OIQ requirements. Free quote.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-bureaux-dingenieurs\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">ENGINEERS &#038; FIRMS<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-engineering-firms-in-Quebec\"><\/span>Insurance for engineering firms in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Mechanical, civil, structural, electrical, environmental: <strong>high-limit professional liability<\/strong> is mandatory at the OIQ. Complete with cyber + goods + D&#038;O. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $2,500<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Commercial premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">$2M to $10M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">E&#038;O Limits<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">OIQ +<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Complement<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">All engineers in Quebec must maintain professional liability insurance through a <strong>program recognized by the Ordre des ing\u00e9nieurs du Qu\u00e9bec (OIQ).<\/strong> Engineering firms typically add a <strong>high-limit E&#038;O ($5 million to $10 million)<\/strong> depending on the contracts, as well as a commercial policy (property, cyber, business interruption) and D&#038;O for the partners. High-risk sectors (structural, geotechnical, environmental) require specialized coverage.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/bureaux-ingenieurs-1.jpg\" alt=\"Engineering firm \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Insurance-for-engineering-firms\"><\/span>Insurance for engineering firms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Engineers who are members of the <strong>Ordre des ing\u00e9nieurs du Qu\u00e9bec (OIQ)<\/strong> must maintain professional liability. Coverage of plans, calculations, site supervision, and technical opinions. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Limits:<\/strong> minimum OIQ $250,000, but <strong>$1-5 M<\/strong> recommended depending on the project (light residential vs. industrial structures). Guarantee against a complaint to the syndic included. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Protections-for-Engineering-Firms\"><\/span>Essential Protections for Engineering Firms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Professional E&#038;O<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Design errors, calculations, supervision. Limits $2 million to $10 million. Required by most contracts.  <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Cyber risks<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Plan leaks, ransomware, wire transfer fraud. Critical for confidential projects. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Property and equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Measuring instruments, CAD computers, total stations, drones, specialized software.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Client injured at the office, damage to leased premises, non-exercise liability.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">D&#038;O associates<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Personal protection of the partners in the event of a lawsuit for management decisions.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Environment (if applicable)<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Gradual pollution for firms that carry out environmental studies or supervise contaminated sites.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\"><strong>Contracts with Hydro-Qu\u00e9bec, the MTQ or large municipalities<\/strong> often require an E&#038;O of <strong>$5 million to $10 million<\/strong>, with the client being mentioned as an additional insured and non-subrogation clause. Anticipate these requirements at the time of subscription \u2014 a limit that is too low can exclude you from tenders. Major donors often have attestation templates that must be filled in exactly.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is OIQ insurance enough for an engineering firm?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No. OIQ insurance covers the <strong>legal minimum of professional liability<\/strong> ($500,000 per claim). Commercial or institutional engineering contracts require $2 million to $10 million. Firms add a commercial E&#038;O policy in addition to the OIQ.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does insurance cost for engineering firms?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For a firm of 5 to 20 engineers with a turnover of $1 to $5 million: between $2,500 and $12,000 per year for an E&#038;O of $2 million + commercial policy. Firms specializing in structural, geotechnical or environmental studies pay $15,000 to $50,000 for limits of $5 million to $10 million. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My firm supervises a construction site \u2014 what coverage?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Site supervision<\/strong> is a high-risk activity covered by E&#038;O. Some insurers add <strong>&#8220;contractor&#8217;s control&#8221;<\/strong> which specifically covers errors in the inspection and supervision of the work. Clearly declare this activity.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are drones and field equipment covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via equipment coverage. <strong>Commercial drones<\/strong> often require complementary aviation liability (required by Transport Canada for commercial operations). Declare drones to your broker \u2014 aviation liability is cheap ($300 to $800\/year).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are my engineering subcontractors covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Each subcontractor must have its own E&#038;O. Your policy usually includes <strong>collateral liability<\/strong> (protects you if the subcontractor is underinsured), but it&#8217;s a safety net, not a substitution. Require an attestation from each subcontractor.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A plan contains an error, the building is built \u2014 responsibility?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">This is the classic case. Your E&#038;O covers the costs of <strong>demolition, re-design and reconstruction<\/strong> to the limits, including legal fees, expert studies and settlements. Claims of $1 million to $5 million are common for major structural errors.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I work internationally \u2014 does my policy cover me?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Depends on your policy. By default, Canadian policies cover <strong>work in Canada and the United States<\/strong>. For projects in Mexico, Latin America, Europe or the Middle East, an international endorsement or a specific policy is required.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are environmental studies (Phase I, II, III) covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, but with exclusions to watch out for. <strong>Gradual pollution<\/strong> (contamination that spreads over years) is generally excluded by default \u2014 specific endorsement required. Phase I\/II reports based on the information available at the time of the study are covered in E&#038;O.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">The retirement of a signatory engineer \u2014 what policy?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The 3 to 10-year <strong>&#8220;tail&#8221; (run-off) insurance<\/strong> covers future claims for seals affixed before retirement. The OIQ offers this coverage; for commercial E&#038;O (upper limit), talk to your broker about maintaining post-retirement protection. <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Engineering-firms-throughout-Quebec\"><\/span>Engineering firms throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Large multidisciplinary firms in Montreal, specialized offices in Quebec City, regional firms in Abitibi, Gasp\u00e9sie, C\u00f4te-Nord: our insurance brokers work with Canadian insurers who understand the requirements of major public contractors (MTQ, Hydro, municipalities). <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"\/assurance-responsabilite-professionnelle\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Professional Liability Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-bureau-davocats\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Law firm insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-bureaux-de-comptables\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Insurance for an accounting office<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Cyber Business Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.oiq.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">Ordre des ing\u00e9nieurs du Qu\u00e9bec<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li>\n<li><a href=\"https:\/\/tc.canada.ca\/fr\/aviation\/securite-drones\" rel=\"nofollow noopener\" target=\"_blank\">Transport Canada \u2014 Commercial Drones<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">Chambre de l&#8217;assurance<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Is OIQ insurance sufficient for an engineering firm?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. OIQ insurance covers the <strong>minimum legal professional liability (500,000 $ per claim). Commercial or institutional engineering contracts require 2 M$ to 10 M$. Firms add a commercial E&O policy in addition to the OIQ.\"}}, {\"@type\": \"Question\", \"name\": \"How much does insurance for an engineering firm cost?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For a firm of 5 to 20 engineers with a revenue of 1 to 5 M$: between 2,500 $ and 12,000 $ per year for a 2 M$ E&O + commercial policy. Firms specializing in structure, geotechnical or environmental pay 15,000 $ to 50,000 $ for limits of 5 M$ to 10 M$.\"}}, {\"@type\": \"Question\", \"name\": \"My firm supervises a construction site \u2014 what coverage?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Site supervision is a high-risk activity covered by E&O. Some insurers add the <strong>\u201ccontractor's control\u201d which specifically covers errors in the inspection and supervision of work. Clearly declare this activity.\"}}, {\"@type\": \"Question\", \"name\": \"Are drones and ground equipment covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through equipment coverage. Commercial <strong>drones often require additional aviation liability (required by Transport Canada for commercial operations). Declare the drones to your insurance broker \u2014 aviation liability is inexpensive (300 $ to 800 $\/year).\"}}, {\"@type\": \"Question\", \"name\": \"Are my engineering subcontractors covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Each subcontractor must have their own E&O. Your policy generally includes a <strong>subsidiary liability (protects you if the subcontractor is underinsured), but it is a safety net, not a substitute. Require a certificate from each subcontractor.\"}}, {\"@type\": \"Question\", \"name\": \"A plan contains an error, the building is constructed \u2014 liability?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"This is the classic case. Your E&O covers the costs of <strong>demolition, redesign, and reconstruction up to the limits, including legal fees, expert studies, and settlements. Claims of 1 M$ to 5 M$ are common for major structural errors.\"}}, {\"@type\": \"Question\", \"name\": \"I work internationally \u2014 does my policy cover me?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Depends on your policy. By default, Canadian policies cover <strong>work in Canada and the United States. For projects in Mexico, Latin America, Europe, or the Middle East, an international endorsement or specific policy is required.\"}}, {\"@type\": \"Question\", \"name\": \"Are environmental studies (Phase I, II, III) covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, but with exclusions to watch for. <strong>Gradual pollution (contamination that spreads over years) is generally excluded by default \u2014 specific endorsement required. Phase I\/II reports based on information available at the time of the study are covered under E&O.\"}}, {\"@type\": \"Question\", \"name\": \"Retirement of a signing engineer \u2014 what policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The <strong>\u201ctail\u201d (run-off) insurance of 3 to 10 years covers future claims for seals affixed before retirement. The OIQ offers this coverage; for commercial E&O (high limit), discuss with your broker to maintain post-retirement protection.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Insurance for Engineering Offices\", \"item\": \"https:\/\/www.assur360.ca\/assurance-bureaux-dingenieurs\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>ENGINEERS &#038; FIRMS Insurance for engineering firms in Quebec Mechanical, civil, structural, electrical, environmental: high-limit professional liability is mandatory at the OIQ. 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