What insurance does an engineering business need?
Public liability, plant inspection and product liability explained.
EngineeringInsurance
Engineering Insurance
Public liability and statutory inspection cover built for engineering businesses, covering plant, machinery and the equipment you work on.
Public liability and statutory inspection cover built for engineering businesses, covering plant, machinery and the equipment you work on.
LOLER & PUWER checksComponent liabilityPlant & machinery
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What is engineering insurance?
Engineering insurance is a combination of covers built around working with plant and machinery, public liability for injury or damage, employers’ liability for staff working around equipment, and cover for statutory inspections your business may be required to carry out.
If you own, operate or maintain lifting equipment, pressure systems or certain mechanical plant, UK law requires periodic ‘thorough examination’ by a competent person under LOLER, PUWER or PSSR regulations, ‘engineering insurance’ traditionally refers to cover built around exactly this.
The right engineering cover depends on:
Type of engineering workPlant and machinery you own or maintainNumber of employeesWhether you own your premisesStatutory inspection requirementsUse of hazardous materials
Cover that fits the way you work
Cover that fits the way you work
Machinery, statutory inspections and client equipment bring their own everyday risks.
Machinery, statutory inspections and client equipment bring their own everyday risks.
RecommendedPublic Liability
Protection if a visitor or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedProperty & Contents
Protection for your machinery, tools and premises.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you working.
OptionalPlant & Machinery Inspection
Covers statutory thorough examinations under LOLER, PUWER or PSSR.
OptionalProduct Liability
Protection if a product or component you’ve made or repaired causes harm.
What could go wrong in an engineering business?
What could go wrong in an engineering business?
Most engineering claims come from equipment failing a statutory inspection, a staff injury working with machinery, or damage to client equipment in your care.
Most engineering claims come from equipment failing a statutory inspection, a staff injury working with machinery, or damage to client equipment in your care.
Is this cover right for your business?
This type of business insurance may suit you if you work with engineering plant or machinery.
The right cover depends on:
Mechanical & electrical engineersFabrication & metalwork engineersPlant hire & maintenance engineersEngineering firms with multiple sitesEngineers holding client equipmentEngineering firms with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A failed statutory inspection, a faulty component, a staff injury and a visitor injury are the four engineering scenarios insurers see most. Each responds to a different cover.
A failed statutory inspection, a faulty component, a staff injury and a visitor injury are the four engineering scenarios insurers see most. Each responds to a different cover.
Failed inspection
Equipment found unsafe during a statutory examination.
Potential cover
Plant & Machinery Inspection
Faulty product
A component you’ve made or repaired causes injury or damage.
Potential cover
Product Liability
Staff injury
An employee is injured working with machinery.
Potential cover
Employers’ Liability
Visitor injury
A visitor to your workshop is injured on-site.
Potential cover
Public Liability
How much does engineering insurance cost?
There’s no fixed price. It depends on the type of work you do, staff numbers, equipment value and your claims history.
Type of engineering work
Some work carries higher product liability risk than others.
Statutory inspection needs
Equipment requiring LOLER, PUWER or PSSR examination can affect your cover.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding product liability or a higher limit increases your premium.
Plant and machinery value
Higher-value equipment increases your contents cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting engineering insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting engineering insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
What you work on, and whether you have staff.
2
Choose your covers
Public liability, plant inspection and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Engineering insurance guides
Engineering insurance guides
Practical advice on cover, statutory inspections and staying protected.
Practical advice on cover, statutory inspections and staying protected.
Engineering insurance FAQs
Engineering insurance FAQs
Straight answers on cover, statutory inspections and cost.
Straight answers on cover, statutory inspections and cost.
Engineering insurance is a combination of covers built around working with plant and machinery: public liability for injury or damage, employers’ liability for staff working around equipment, and cover for statutory inspections your business may need.
Still have questions?
Our advisers are here to help you find the right solution.