Engineers’ Insurance

Male engineer working with hard hat on

Compare insurance quotes for engineers

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Business insurance for all types of engineers

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Protect against claims made by clients and the public

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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 cover your back financially if anything were to go wrong.  

Insurance for engineers protects 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 public liability insurance before starting a job, therefore, it’s essential to have sufficient insurance to protect yourself while working.

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. Give our knowledgeable insurance team a call on 0800 077 3810 to talk through your specific needs.

What insurance do engineers need?

Whether you’re working on large plants or behind a computer, as an engineer - you’ll need sufficient cover as you go about your work. Not all engineers will need the same policies, but we can help tailor your package with the following types of cover: 

  • Public liability insurance - In case someone suffers an injury as a result of your work or you accidentally damage something when working.  
  • Professional indemnity insurance - Helps provide compensation as a result of professional negligence or bad/incorrect advice you give out. 
  • Product liability insurance - If a product you’ve supplied, like design plans, causes harm or injury, this insurance covers the cost of legal fees for defending yourself and compensation for damages if needed. 
  • Legal expenses insurance - Protects you against legal fees during a claim or dispute 
  • Tool or machinery insurance - Protects against the cost of damaged, lost or stolen tools or equipment.  

Policies will vary per provider for these packages, but if you’re not sure what types of cover you need, start a quote online today and our insurance team will be on hand to help you make the right decision.

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 unlikely to be covered: 

  • Purposeful negligence or workmanship 
  • Deliberate acts 
  • Normal wear and tear and gradual deterioration of equipment 

What do you need to start a quote?

You need the following information when starting a quote online with us at Bionic:  

  • Business Name  
  • Policy Start Date  
  • Full name of business owner/owners  
  • Phone number  
  • Email  

Our knowledgeable agents are on hand to help with specific questions to ensure you get sufficient cover. 

When speaking to our agents and arranging new insurance, you should provide further business details like turnover and wages.

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 policies you choose, 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 claims made against you or you have made previous claims may affect your future premiums.

Do you need insurance if you’re a self-employed engineer?

Although not a legal requirement, it’s a good idea to have insurance if you’re a self-employed engineer. Why? You could end up paying hefty legal fees and compensation out of your own pocket if something were to go wrong. 

Many companies or clients will refuse to work with you if you don’t have sufficient insurance in place, like public liability insurance.

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 find you the right cover.

Our UK-based team helps business owners daily to compare policies to find the right insurer that fits. Get in touch with us today by starting a quote online.

Engineer Insurance FAQs

To help you understand more about engineers' insurance, here are the answers to some of our most frequently asked questions.

What insurance do you legally need as an engineer?

If you work alone, then employer’s liability insurance is not needed. But, if you bring anyone else on the job, including staff or even apprentices, then you’ll need to take out employers’ liability insurance. If you don’t, you’ll be breaking the law.

Speak to our knowledgeable insurance team at Bionic to find out what insurance you need to meet your requirements. Start a quote online today to get started. 

Are you covered if you work abroad?

If you only do a proportion of your work abroad, we may still be able to cover you, although this varies per insurer.

Start a quote online today, and a member of our insurance team will be able to help with your specific situation. 

Can I pay in monthly instalments?

We can offer direct debit on all policies as well as payment in one lump sum.

How Bionic Works

Friendly, professional agents

Our team speaks your language and won’t waste your time. We use secure smart data to find out more about your needs and only ask questions relevant to your business.

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We’ll talk you through the quotes

Once we know more about your needs, we’ll work with you to find the right cover. We’ll cut through the insurance jargon and answer any questions you might have.

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Renewals remembered for you

With your cover arranged, you need never worry about missing an insurance policy renewal date, as we’ll keep you updated for complete peace of mind.

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