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The following article was published in our article directory on February 2, 2010.
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Article Category: Business
Author Name: Robert McDonough
In a high-risk industry as engineering, the need to make sure that all bases are covered is more apparent. A lot of things depend on engineers and what they build. One small mistake can have huge repercussions. All engineers should have an ample amount of insurance coverage. There are various kinds of insurance that could be purchased. Apart from the obvious life insurance coverage, any engineer practicing his profession should think about getting himself covered with an engineers' insurance policy. These policies can vary depending on the kind of perils you want to cover and the kind of practice you have. Specialized engineers could also be covered under this kind of policy. With a geotechnical engineers' insurance, soil scientists can be covered against professional liability in as far as their discharge of their function in the analysis, design, and construction of structures and systems made of soil or rock.
Geotechnical engineers are actually related to civil engineers. Their work often involves both field work and desk work. They are often tasked to go out in the field to gather data and conduct on-site tests for a particular project. After they have collected all that they need, they go back to their offices to put everything down in a written report. Much analysis, testing, and computations are done by geotechnical engineers. Despite the heavy work load, much care and precision is required of these engineers. Even a slight miscalculation could cause the whole building project to be compromised. When this happens, you can expect to spend millions of dollars in legal fees and settlement costs. This makes it all the more imperative to get a geotechnical engineers' insurance coverage.
You might think that your small engineering consulting firm does not need such a coverage owing to your size. On the contrary, companies with limited resources and independent practitioners would have more need for a geotechnical engineers' insurance. The amount of money that they would need to have in case of a lawsuit would most likely be too much for them to handle – in many cases, they might not even have the funds to sustain themselves through such a legal battle. Paying a smaller amount as premiums for a geotechnical engineers' insurance would be much more affordable than having to cough up millions of dollars to settle with a dissatisfied client. With a geotechnical engineers' insurance, an engineer does not have to worry about having enough money for such contingencies. The responsibility for coming up with the funds to settle the legal and medical accountabilities resulting from the engineers' unintentional mistake is actually transferred to the insurance company.
There are a lot of insurance companies that offer professional liability insurance as well as general liability insurance for engineers and other professionals involved in design-build projects. It would be possible for anyone interest to get quotes from internet websites. There are even websites where you can get several quotes from different insurance providers so you can compare each one. It is not inexpensive to get a comprehensive business coverage that includes both professional liability insurance and general liability insurance. But, the benefits of having such a coverage is far greater than what you actually paid in premiums.
Keywords: engineers insurance, geotechnical engineers insurance, soils engineers insurance, structural engineers insurance, civil engineers insurance, architects insurance, professional liability insurance
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