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Engineers’ Insurance
Engineers’ Insurance
Business insurance for all types of engineers
Protect against claims made by clients and the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, sole traders and partnerships
Get tailored cover to protect against claims from customers and the public
Get the protection you need with no needless extras
What is...
engineer insurance?
Whether you're developing new products, testing or building, as an engineer you’re likely to run into different types of risks. You can do what you can to reduce them, but they can’t be eliminated completely.
A client could sue over a faulty product or advice, or you could injure someone on the job. Whatever the risk, its best to have engineers’ insurance in place to help provide financial protection if you need it.
Insurance for engineers can help protect against unforeseen events and provides peace of mind so you can focus on planning, designing, building and getting the project done.
Why do engineers need insurance?
As an engineer, people rely on you for your expertise and the effects of giving the wrong advice or making an error on a project could be costly. You could run into the following issues:
- A client claims a design flaw causes structural issues
- You injure yourself while on-site
- Someone steals your valuable equipment
- You accidentally damage a client's property during a visit
- You give out incorrect professional advice
Some clients may insist you have the right insurance before starting a job, therefore, it’s essential to have sufficient insurance for securing new trade.
What kind of engineers are covered?
We can help insure many different types of specialist engineers, including (but not limited to):
- Electrical engineers
- Mechanical engineers
- Software engineers
- Technical engineers
- Building engineers
- Site engineers
- Civil engineers
- Computer engineers
- Thermal engineers
- Gas engineer
- Heating engineer
Can’t see your industry? Whatever your trade, we might still be able to help. Start a quote online today and a member of our insurance team will be on hand to talk through your specific needs.
What can engineers insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Product liability insurance
If a product you’ve supplied causes harm or injury, this insurance covers the cost of legal fees and compensation.
What isn’t covered?
You’re unlikely to be able to claim on your insurance policy for every issue you come across, similarly, there will be events where clients cannot claim against you.
Although exclusions and policy wording vary per insurer, generally, the following is not covered:
- Purposeful negligence or workmanship
- Deliberate acts
- Normal wear and tear and gradual deterioration of equipment
How much does engineers’ insurance cost?
It’s difficult to give a solid figure for an engineering insurance package, as it depends on your industry. Costs depend on a number of factors, including:
- Extent of cover - The more cover you opt for, the more expensive your package is likely to be.
- The nature of your work - The more risks you face day to day will play a part in how expensive your premiums are. For example, working from a height is riskier than sitting behind a desk.
- Location – Where you work is taken into consideration when working out the price of your premiums. For example, some areas have a higher likelihood of theft than others.
- Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.
Get engineer insurance sorted today with Bionic
At Bionic, we champion UK business owners as they’re the backbone of the UK economy and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help find you the right cover.
Start a quote online today to compare business insurance quotes.
"Engineering demands precision. The right insurance can provide a safety net for complex projects, protecting your professional expertise from unexpected risks."
James Barwell, Insurance Director
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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