- Engineer, Professional Liability Insurance
- Aug 16, 2021
- By Arcelie
Civil engineers are always tackling new challenges. Whether it’s overhauling a city’s water supply or helping plan a new public transport system, the work you do is an essential part of keeping America running.
Looking to the future, civil engineers will be more important than ever as the country continues to grow and evolve. Thinking more about the environment, designing for an aging population, and bringing current infrastructure projects up to standard are all concerns that civil engineers will face this year and likely for decades to come.
Here are five issues facing civil engineers in 2023 and beyond:
1. Creating sustainable communities
Building the communities of tomorrow is an important part of civil engineering. Infrastructure can have a huge impact on the environment, economy, housing choices, and other factors that can improve peoples’ lives. As a civil engineer, you can be an advocate for positive change.
Environmental sustainability is one area of focus that many civil engineers are adopting. Using eco-friendly materials, methods, and design can help lessen the effect that construction has on the environment. With many businesses looking for more ways to “go green”, civil engineers can help them achieve their sustainability goals.
2. Balancing sustainability with profits
While many businesses are actively looking for ways to build more eco-friendly structures, some are wary of these changes. There is a common misconception that sustainable methods are always more expensive than traditional ones. This can be a hurdle to getting businesses on board with eco-friendly building.
As a civil engineer, part of your job may be helping clients better understand sustainable building methods. Some eco-friendly options can cost the same or even less than traditional ones. Your expertise and knowledge could help businesses maximize their profits while adopting sustainable building strategies.
3. Designing for future transport needs
Major U.S. cities are expected to grow in the coming decades, and many smaller cities are considered up-and-coming areas for relocation. Navigating these spaces and commuting to them will present major challenges for civil engineers.
The future of transportation will need to consider changing demographics and technological advancements. As Baby Boomers continue to age, civil engineers will need to find ways to make cities more accessible to older adults and those with disabilities. They will also need to find innovative ways to improve public transit systems to encourage eco-friendly commutes and factor in the potential growth of self-driving cars.
4. Rebuilding existing infrastructure
America’s infrastructure is in dire need of help. The latest report from the American Society of Civil Engineers rated the country’s infrastructure at a C minus, signalling just how vitally important civil engineers are to maintaining and rebuilding the nation.
Civil engineers will be a key part of repairing the country’s aging foundations, from roads and bridges to dams and water delivery systems. This work will also support the goals of sustainability and rethinking transportation for a growing nation.
5. Protecting themselves on the job
Like any occupation, there are risks associated with working as a civil engineer. Whether you are protecting yourself in a litigious society or preparing for workplace injuries, here are common civil engineering insurance policies you might consider:
- Professional Liability – Also known as Errors and Omissions or , this is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing. Professional Liability can help protect you against a range of liability claims, including mistakes, negligence, and breaches of contract.
- General Liability – Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties. Civil engineers who regularly meet with clients in their offices or on worksites often consider this type of insurance.
- Workers’ Compensation – This insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains. Every state (except Texas) requires businesses with employees to have this coverage. Additionally, some states may also require that civil engineers acting as sole proprietors have Workers’ Compensation insurance.
- Business Owners’ Policy (BOP) – This is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service. Depending on your business needs, a BOP could be a convenient and affordable way to protect you against a variety of risks.
If you’re ready to find civil engineering insurance policies to meet your business needs, BizInsure can help. Quote and compare multiple insurance products from multiple insurers at the same time and get insured in minutes!
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