Land Surveyor Insurance
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Why Do I Need Land Surveyor Insurance?
Your job is critical, albeit sometimes overlooked. After all, how many people entering buildings stop to think about the coordinates and layout of the land? You’re not a land surveyor for the glory, though. You prefer to use critical thinking skills and attention to detail to deliver the highest-quality work. But what happens if you encounter problems that were beyond your line of sight?
Below are some of the most common types of insurance policies that land surveyors carry to stay protected.
What Type of Land Surveyor Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
From
$25.83
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Land Surveyor Insurance Cover?
Latitude and longitude are where your knowledge begins, but understandably, your work hasn’t led you to learn about insurance policies and premiums.
We know that business owners have a lot on their plate and that choosing insurance can feel overwhelming. That’s why we’re going to cover the basics of the three types of policies for you to consider.
Professional Liability Insurance
Your surveys, maps, and charts are the starting point for construction projects. That means that even small errors can have a ripple effect with expensive consequences.
For example, what if you make a mistake when noting the end boundary of a new development? Your survey for the expansion was off, and now the area is smaller than anticipated.
Your client won’t be happy, and you could potentially be sued for negligence.
A small error doesn’t have to mean the end of your company, though. Professional liability insurance can cover you and your business if your client claims that you or your business were negligent. Additionally, if you have people working for you, workers compensation insurance can cover your employees.
If you do ever face a negligence claim, your policy could help offset your legal costs and damages. Without insurance, you could be solely responsible for the entire bill. By making a strategic decision to protect your business before you need it, you could protect yourself from some potentially devastating bills.
Let’s review. Here’s what land surveyor professional liability insurance can cover:
- Negligence or alleged negligence
- Legal defense costs
- Omissions or alleged omissions
- Claims and damages
- And more
Keep in mind that professional liability insurance usually doesn’t cover:
- Intentional acts and omissions
- Property damage
- Medical expenses
- Bodily injury
- And more
General Liability Insurance
While professional liability insurance typically applies only to certain professions, most businesses can benefit from general liability insurance. This insurance covers more “general” claims, such as bodily injury or property damage to clients or vendors.
Here’s another scenario you could face. Suppose you’re surveying a job site when you accidentally knock over some ladders. Unfortunately, another worker was standing nearby and was hit by the ladders, causing injury and a trip to the hospital.
Without general liability insurance, you may have to pay for the worker’s medical bills and possible lost wages. If you were covered, your plan could likely help with those bills, saving your business or personal finances.
The average claim for property damage in small businesses is $30,000, which means that even small accidents could lead to big headaches. Getting coverage before you need it can mean that you get to keep your hard-earned money and grow your business.
To recap, here’s what general liability insurance usually can cover:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Now check out what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Motor vehicles while in business use
- Expected or intentional injury or damage
- And more
Workers Compensation Insurance
When the demand for your services outweighs the hours in a day, you may hire help. When you hire employees, even one or two part-time workers, there’s a chance you’ll need workers compensation insurance. Like most insurance types, workers comp requirements vary by state.
You can check your state laws here, or simply answer a few questions to get customized quotes based on your location and business.
Similar to the cost of claims covered by GL insurance, workers comp claims can be pricey. The average work injury cost is $41,000, with a staggering $170.8 billion in claims filed in 2018 alone, making your monthly premiums worth it.
In general, workers compensation insurance for land surveyors can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Land Surveyor Insurance?
Each time you survey a piece of land, you take note of the boundaries and any obstacles that could be in the way of construction. If that process is good enough for your projects, then isn’t it good enough for your business?
It’s easy to get caught up in day-to-day work, but every once in a while, you need to zoom out and think about your business strategy. That’s what you’re doing right now by even considering business insurance, and it’s a smart move.
What exactly can land surveyor insurance do for you? In some cases, your state’s laws require you to carry it. However, having insurance can protect your business from severe financial impacts, even when it isn’t required by law.
Unfortunately, 43% of small business owners polled reported being threatened with or involved in a civil lawsuit. If you found yourself in that group of business owners, you could face the price of the most common incidents that can befall small business owners:
- Reputational Harm — $50,000
- Client Injury or Damage — $30,000
- Client Slip and Fall — $20,000
Given your profession, you also stand a chance to be slapped with a negligence claim. Even if you didn’t do anything wrong, the price and time fighting your case in court could be daunting. By investing a little each month toward your premiums, you could save yourself from potential debt or bankruptcy.
Business insurance has its positives, too. Having a certificate of insurance (COI) could help you rent office space or earn trust from potential clients and employers.
The time it takes to get insured is outpaced by the potential benefits. So simply answer a few questions about your business, and you can compare free quotes from the country’s top insurers.
Answers to More Land Surveyor Insurance Coverage Questions
Each state sets laws about business and workers comp insurance for land surveyors. Therefore, your insurance bundle may include some legally required policies and some that are recommended. Keep in mind that some landlords may require you to carry general liability insurance to lease office space.
Generally, business owners can deduct insurance premiums from their business income taxes. We always suggest talking to an accountant about your state’s laws, though.
Each insurance plan is customized to the specifics of your land surveyor business, including:
- The size of your business
- Your company’s location
- Your annual revenue and payroll
- And more
You don’t need to handle any of the calculations, since our quote form is designed to recommend insurance plan options for you, based on your answers.
If you have more questions, our licensed insurance agents will be happy to assist you!
It’s free to compare customized quotes, so you’ll have an opportunity to assess your options thoroughly. Our quote process is easy, but you can make it even easier by having the following information on hand:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Yes, your location and business details determine your legal requirements. You don’t necessarily need to research before getting started, though, since our quote process narrows down the options for you based on the answers you provide.
If you choose a comprehensive package that includes general liability, professional liability, and workers comp, your policy can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Negligence or alleged negligence
- And more
We don’t have an exact price here, since each policy is customized to each business owner. Typically, your insurance costs depend on:
- Payroll and revenue estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your land surveyor insurance may cost? Just click here and get free quotes from some of the top insurers in the country.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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