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Engineering Insurance
Engineering Insurance tailored to your business arranged by Jensten Insurance Brokers.
What is Engineering Insurance?
Most businesses rely heavily on computers, machinery and electronic equipment to run smoothly and efficiently on a day-to-day basis. Without these items functioning properly, productivity can be impacted.
This is why it is important for business owners to consider the wide range of specialist engineering and statutory inspection products that are available. From fulfilling your regulatory responsibility to providing cover for a production line breakdown, our team would be happy to discuss and advise on your individual needs. We also offer insurance for structural engineering companies.
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What does Engineering Insurance cover?
Engineering Insurance policies can include cover for:
- Computers
- Machinery Breakdown and Loss of Profits
- Machinery Movement
- Contract Works and Machinery Contract works
- Plant owned and Hired in
- Electronic Equipment
- Statutory Inspections
Why use Jensten
Dedicated
A dedicated team to Professional Service businesses
Trusted
We are the trusted broker to Professionals
Flexibility
Tailored insurance to the needs of your business
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Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.
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- 0808 239 7329
What our clients say...
Professional Bodies
Many professional bodies will have rules or minimum requirements for their members. The main professional bodies with Professional Indemnity rules are as follows:
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Engineering Insurance
Do I need Engineering Professional Indemnity Insurance?
Professional Indemnity Insurance is highly recommended for engineers due to the service-based nature of the work you carry out. It is especially crucial for those providing engineering consultancy services, as offering professional advice can leave a company vulnerable to claims of professional negligence and financial loss.
Professional Indemnity cover helps protect your engineering business from the financial impact of claims relating to alleged mistakes, errors, or omissions in your professional services. This professional liability insurance policy is specifically designed to provide comprehensive coverage for design professionals and engineering firms.
What does engineering insurance cover?
Engineering insurance typically includes professional indemnity insurance coverage for claims of professional negligence, errors, or omissions in design, advice, or consultancy work. It may also encompass public liability insurance, employers’ liability insurance, and additional covers such as office contents, cyber liability, and directors’ and officers’ (D&O) insurance. Many engineering firms combine this with commercial general liability insurance and commercial property insurance to ensure financial stability.
Who needs engineering insurance?
Engineering insurance is essential for a wide range of professionals, including:
- Civil engineers
- Structural engineers
- Mechanical and electrical engineers
- Environmental engineers
- Consulting engineers and consulting engineering companies
- Design and project engineers
- Engineering contractors
- Self-employed engineers
- Engineering consultancy firms and engineering companies
Is professional indemnity insurance compulsory for engineers?
Professional indemnity insurance is often required by clients, contracts, professional engineers associations such as Engineers Canada, and professional bodies for engineers providing consultancy or design services. It safeguards your engineering business against claims for professional negligence, mistakes, omissions, or breach of duty, covering legal fees and potential settlements.
What other types of cover should engineers consider?
In addition to professional liability insurance coverage, engineers should consider:
- Public liability insurance for third party bodily injury and property damage, often provided through commercial general liability (CGL) insurance
- Employers’ liability insurance if hiring staff
- Cyber insurance to protect against data breaches and reputational damage
- Directors’ and officers’ (D&O) insurance for management protection
- Commercial property insurance for business property and office equipment
- Business interruption insurance to cover lost income due to downtime
- Commercial auto insurance for commercial vehicles used by your engineering business
What’s the difference between public liability and professional indemnity insurance?
Public liability insurance covers claims for bodily injury or property damage to third parties, often occurring on job sites or public spaces. Professional indemnity insurance provides financial protection against claims arising from professional services, including errors, omissions, design errors, or negligence in your engineering work. Together, these coverages form a comprehensive insurance program tailored to the unique risks faced by architectural and engineering firms.