Engineering 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. 

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. 

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  

Engineering insurance could cost from 23p a day*

Your actual insurance premium depends on your requirements. This is because your business is unique, and prices 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. 

_{*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

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.