In many cases, when a client or customer files a claim of negligence against an engineer, the client will actually sue the firm that employs the engineer. This is why it is important that all engineering and architectural firms carry professional liability insurance for engineers in Indiana. However, it is possible that a client could file suit against the individual engineer as well.
This leads to several concerns that you may have.
1. Do Engineers Need Individual Liability Coverage?
In most cases, the firms that employ engineers will carry professional liability insurance for engineers in Indiana that will cover their employees as individuals in the event of a lawsuit. Depending on how the particular policy is written, this coverage normally extends to past employees as well.
2. Once an Engineer is Retired, Can He or She Be Sued for Work Done in the Past?
Yes, after retirement or leaving a firm for any reason, an engineer may be sued for negligence on a job performed in the past. However, provided that the firm was carrying appropriate insurance at the time the work was performed, the engineer is likely covered, even if he or she is no longer employed by the firm.
Professional liability insurance for engineers in Indiana is a “must.” However, in most cases individuals are covered by the policies carried by their employers.