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What is engineers’ insurance?
Engineers’ insurance refers to a group of insurance covers tailored to protect your engineering business. As an engineer, you must safeguard yourself as you undertake services for clients, such as designing, analysing and constructing a range of structures, systems and products to ensure they can be used reliably and safely.
Depending on the size of your business and the services you provide, there is a range of policies available to cover your needs, including professional indemnity, public liability and employers’ liability insurance.
| Professional negligence | |
| Injuries caused to third-parties during business activities | |
| Accidents caused by defective tools or machinery | |
| Manual handling accidents |
Why do engineers need insurance?
Engineers’ insurance is crucial for protecting yourself from various risks. Whether you run a small or large business, having the right insurance policies can safeguard you against potential financial losses resulting from any claims. By securing engineers’ insurance, you are protecting yourself in the event of any project complications or costly mistakes.
Employers’ liability insurance is a legal requirement if you have employees, covering workplace or work-related injuries or accidents.
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What engineers’ insurance can cover?
Our engineers’ insurance covers your legal costs and expenses in defending a claim, and any compensation or costs that may subsequently be awarded (please check your policy terms and conditions for full conditions), following:
What can be covered:
| Professional negligence – such as making an error in a piece of work for a client, which results in them losing money | |
| Injuries caused to third-parties during business activities – such as a customer slipping over a piece of equipment and claiming for compensation | |
| Accidents caused by defective tools or machinery – such as an employee injuring themselves whilst operating a machine due to employers’ negligence | |
| Manual handling accidents – such as an employee injuring their back whilst lifting heavy goods at work resulting from inadequate training |
What cannot be covered:
| Client’s reputational damage – for example, professional indemnity insurance would not cover if your negligence results in your client needing to spend costs to recover from reputational damage | |
| Deliberate or reckless acts you commit – for example, public liability insurance would not cover if yourself or an employee caused deliberate harm to a member of the public |
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
Browse all FAQsYes, some of our policies can cover engineering work overseas. Always check through the policy documentation.
According to HSE, common risks for engineers include:
- Dusts from mechanical cutting, shaping and abrasive blasting
- Gases and fumes from welding, soldering, and cutting
- Mists and germs in metalworking fluids
- Lubricants, adhesives, paints, degreasing and stripping fluids
- Plating and pickling fluids, and molten salt baths
- Fluid treatment products
If you have any questions, contact one of our insurance experts here.
Further reading for engineers' insurance
Understanding the different types of business insurance
Written by Michael Lawrence
What is professional indemnity insurance?
Written by Michael Lawrence