Engineering insurance
Comprehensive cover for the unique risks of engineering businesses
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Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
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Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
For engineering businesses, public liability insurance can protect against the risks that come with working with heavy machinery, hazardous materials, or on-site work, which can cause harm to third parties. For instance, if a member of the public or a client is injured due to an accident caused by an engineering business’s work, they may hold the business liable for the damages.
Public liability insurance can cover the legal costs and compensation payments associated with such claims, helping to protect the business’s finances and reputation. This type of insurance can also provide peace of mind to the business owner, knowing that they are protected against the risks of liability claims.
Employers' liability insurance
Employers’ liability insurance provides coverage for a business in case an employee suffers an injury or illness as a result of their work. It is a legal requirement for most businesses in the UK that have employees to have employers’ liability insurance.
For engineering businesses, employers’ liability insurance can protect against the risks that come with working with heavy machinery, hazardous materials, or on-site work, which can cause harm to employees. If an employee suffers an injury or illness due to their work, they may hold the employer liable for the damages.
Employers’ liability insurance can cover the legal costs and compensation payments associated with such claims, helping to protect the business’s finances and reputation. This type of insurance can also provide peace of mind to the business owner, knowing that they are protected against the risks of liability claims from their employees.
Product liability insurance
Engineering businesses should consider having product liability insurance to protect against the risks associated with their products. Product liability insurance provides coverage for a business in case a third party suffers injury or damage to their property as a result of a product the business produces, distributes, or sells.
For engineering businesses, product liability insurance can protect against the risks associated with the design, manufacture, and sale of products such as machinery, equipment, and components. If a third party, such as a customer, suffers injury or damage to their property as a result of a faulty or defective product, they may hold the business liable for the damages.
Product liability insurance can cover the legal costs and compensation payments associated with such claims, helping to protect the business’s finances and reputation.
Property covers
Engineering businesses typically have significant physical assets, including buildings, contents, and stock. These assets can be protected with commercial property insurance, which is a type of insurance that provides cover for the physical assets of a business.
Commercial property insurance typically includes coverage for the building or premises that the business occupies, as well as the contents and stock inside. This can include equipment, machinery, inventory, and other physical assets that are essential to the business’s operations.
In the event of a covered loss, such as damage due to fire, theft, or natural disasters, commercial property insurance can provide compensation for the costs of repairs or replacement of damaged or lost assets. This can help to minimise the financial impact of such losses on the business.
Business interruption insurance
Business interruption insurance can provide cover for a business in case they are unable to operate or suffer a loss of income due to a covered event, such as a fire, flood, or other natural disasters.
For engineering businesses, business interruption insurance can protect against the risks associated with unforeseen events that could disrupt their operations, such as machinery breakdown, supply chain disruptions, or other interruptions that could lead to loss of income.
If a covered event occurs that causes the business to shut down or suffer a loss of income, business interruption insurance can cover the costs of ongoing expenses, such as rent, payroll, and utilities, as well as lost income during the period of interruption.
Professional indemnity cover
Professional indemnity insurance is designed to protect engineers against legal claims that may arise from professional negligence, errors, or omissions. It provides financial protection to engineers and their businesses against lawsuits or legal claims from clients or third parties alleging that they have suffered a financial loss due to the engineer’s work.
For engineers, professional indemnity insurance can provide coverage for a wide range of claims, including breach of professional duty, breach of confidentiality, intellectual property infringement, and other types of professional errors or omissions. Professional indemnity insurance can cover the costs of legal defence, as well as any damages or settlements awarded in a lawsuit or legal claim.
Specified all risks
For versatile work such as engineering, you may wish to add specified items to your engineering insurance policy. Specified all risks can protect company items like laptops, mobile phones and other portable equipment against some risks such as accidental damage or theft, including whilst they are away from the property.
Tools, plant & equipment
When machinery, plant and equipment are the backbone of your business it’s important to make sure your essential equipment is protected against the unexpected. This cover should protect all of your machinery and equipment you use as engineers such as cherry pickers, cranes, forklifts, cutting equipment, generators and loading shovels whether they are on your business premises or in transit.
Tools, plant, and equipment insurance can provide coverage for a range of risks, including theft, accidental damage, and breakdowns. This coverage can also include protection for any hire equipment that you may be using as part of your business operations.
Legal protection
Commercial legal protection, also known as legal expenses insurance, is a type of insurance that provides coverage for legal costs and expenses incurred by businesses in the event of a legal dispute or claim.
This insurance typically covers expenses such as legal fees, court costs, and settlements that may arise from disputes related to the business, such as contract disputes, employment disputes, or health and safety incidents. Commercial legal protection insurance can provide peace of mind to businesses and help mitigate the financial impact of legal disputes, which can often be expensive and time-consuming to resolve.
Commercial vehicle insurance
A commercial vehicle could be a crucial part of your business. This insurance is designed to cover the vehicles that are used for business purposes, such as vans or trucks, against various risks that they may face during operations, whether it’s for customer deliveries, collecting stock or even just getting to and from the merchants daily. We understand the need for a quality cover that gives you peace of mind so why not take a look at our business van insurance page to find out more about commercial vehicle insurance? If you have a fleet of company vehicles we could arrange to insure them under a motor fleet insurance policy.
Goods in transit cover
This type of insurance is designed to protect the goods and materials that are transported from one location to another during business operations.
Goods in transit insurance typically provides coverage for loss or damage to goods caused by various risks, such as theft, fire, or accidental damage during transit. This insurance may also cover losses caused by delay, detention, or non-delivery of goods.
Engineers may require goods in transit insurance if they transport goods or materials using their own vehicles, or if they use third-party carriers to transport their goods.
Statutory equipment inspection cover
Engineering businesses that use machinery or equipment in their operations are often required by law to conduct regular inspections to ensure that they are operating safely and meet regulatory standards. Therefore, engineering businesses should consider having statutory equipment inspection cover as part of their overall risk management strategy to protect against the costs of complying with regulatory requirements.
Engineering insurance FAQs
Do I need engineering insurance?
If you are an engineering business it is highly recommended that you have engineering insurance in place to protect you and your engineering business from potential risks and liabilities. As an engineer, you may be exposed to various types of risks, including property damage, injuries to third parties, professional negligence, errors and omissions, and many more. Having appropriate insurance coverage can help to mitigate the financial impact of these risks.
In addition, many professional bodies and clients may require engineers to have insurance coverage as a condition of working with them. For example, professional indemnity insurance may be a requirement for membership in a professional engineering body or a contract requirement for working with clients. Therefore, not having adequate insurance coverage could limit your opportunities for work and professional development.
What covers do engineering businesses need?
There are several types of insurance covers that engineering businesses may need to consider to protect their businesses from various risks. Here are some of the most common types of insurance covers that they may require:
- Public liability – for injured visitors or damage to their property
- Employers’ liability – to protect your employees
- Product liability – in case your products cause injury or damage
- Buildings cover – to cover for loss or damage to your premises
- Equipment, contents and stock – to reinstate your items and belongings
- Tools, plant & equipment cover – to protect your machinery and specialist equipment
- Specified all risk cover – to protect specific company items
- Business interruption – to keep finances running when disaster strikes
- Professional indemnity – covers claims arising from professional negligence or errors and omissions
- Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading
- Business legal expenses – to cover the cost of legal expenses or defending your business against legal action
- Statutory equipment inspection cover – for equipment that is subject to mandatory inspection and certification requirements by government agencies
How much does engineering insurance cost?
The cost of engineering insurance can vary depending on several factors, such as; the size of your business – larger businesses may require more coverage than smaller businesses, which can affect the overall cost of your policy.
The level of coverage you require – the more coverage you require, the higher the premium may be. Your location – the location of your business can affect the cost of your insurance, as certain areas may have higher risk factors than others.
The specific risks associated with your business operations. If your business involves a higher level of risk, such as working with hazardous materials or heavy equipment, the cost of your insurance may be higher to reflect this increased risk. Overall, the cost of engineering insurance can be highly variable, and it is important to work with an experienced insurance broker such as Premierline to ensure that you have the cover you need at a price that fits your budget.
Why choose Premierline to arrange engineering insurance?
At Premierline we’re committed to helping you find the best insurance for your engineering business, so you can enjoy peace of mind and focus on running your business to the best of your ability.
All of these engineering insurance covers can typically be combined to offer a comprehensive engineering insurance package that is tailored to your unique requirements. Our specialist insurance advisors can help you find the cover that’s right for you by offering professional insurance recommendations over the phone based on your requirements.
What type of engineering businesses does Premierline work with?
At Premierline, we arrange business insurance for engineering businesses. This includes both large and small engineering firms, as well as individual engineers who work as independent contractors or consultants.
Examples of engineering businesses that we work with include; civil engineering firms, mechanical engineering firms, electrical engineers, environmental engineering firms and structural engineers.
Any engineering business that provides professional services or manufactures products may be exposed to various types of risks and therefore require insurance to protect against those risks. At Premierline, we source engineering insurance policies that can be tailored to meet the unique needs of your business, regardless of the type of engineering business you operate.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“I would recommend Premierline. They responded to my queries quickly (within an hour). My previous insurer was taking several days to answer and Premierline were a lot cheaper for the same cover.”
Engineering & Machinery Services
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Speak to an engineering insurance expert
Choosing Premierline as your engineering insurance broker can provide you with the peace of mind that comes from knowing that your business is protected by a comprehensive insurance policy that is tailored to meet your specific needs. We’re here to help you navigate the complexities of business insurance. Speak to an expert today.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
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