Business Insurance for Engineers

As a director of an engineering business, you’re responsible for delivery complex, high-value work often under tight deadlines and strict compliance.

Whether you’re advising on design, inspecting sites or overseeing project delivery, there are risks you face which need protecting. A misinterpreted report, a delay outside your control or a severe injury on-site can all lead to claims that impact your finances and reputation.

That’s where our free business insurance health check helps. We’ll review your current cover, highlight any gaps or overlaps, and make sure your insurance actually fits how your engineering business operates.

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Why engineers choose us for their commercial insurance

We work with owner-managed engineering businesses across the UK, typically with up to £5 million turnover. We’ll get to know how your business runs and tailor cover around your actual risks.

This is the benefit of working with a specialist commercial broker like us. We offer clear advice, flexible options and a personal service you won’t find with many insurers.

Case study: How we helped a consultancy client improve cover and save money

An independent financial advisory firm based in London came to us after receiving a renewal quote of £21,000 from their existing broker.

The policy included £500,000 of professional indemnity (PI) cover and directors’ and officers’ (D&O) insurance, but they weren’t confident it would reflect how their business would evolve. We carried out a free business insurance health check to identify opportunities.

The results speak for themselves:

Increased professional indemnity cover for £1 million (up from £500k).
Maintained directors’ and officers’ cover.
Reduced the premium to £12,485 (a 40% saving).

We’re pleased to have got stronger protection in place for a reduced premium, giving them confidence that their insurance supports their work, reputation and plans for growth.

What your engineering cover can include

We’ll tailor your policy around the types of projects you work on, your client contracts, site exposure and professional risks. Depending on your needs, cover can include:

Professional indemnity insurance: Covers legal defence and compensation if you’re accused of design flaws, incorrect reports or poor advice – even if the claim is unfounded.
Public liability insurance: Protects you if someone is injured or property is damaged during your site work, inspections or visits.
Employers’ liability insurance: Legally required if you employ anyone. Covers claims from staff injured or made ill due to their work especially on-site.
Office and equipment cover: Protects laptops, tools, instruments and files from theft, damage or loss whether at your office, home or on-site.
Legal expenses insurance: Helps with disputes over contract or unpaid invoices.
Cyber insurance: Useful if you handle client data. Covers hacking, data loss and ransomware costs.

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Speak to us about our commercial insurance

Our tailored business insurance policies for engineers ensure you get the right protection at the best price. Fill in your details below and our experienced Commercial Team will be in touch with you shortly.

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