Engineering projects are complex and involve significant risks, from design and construction to installation and maintenance. Whether you’re working on large-scale infrastructure projects, manufacturing machinery, or providing engineering consultancy, it's crucial to protect your business against potential liabilities and operational disruptions. Becks Insurance Brokers offers specialised Engineering Insurance that covers the unique risks associated with the engineering sector, ensuring that your projects and business operations are safeguarded.

Why Engineering Insurance is Essential

Features and Benefits

• Contractors' All Risks (CAR) Insurance: Provides comprehensive cover for damage or loss to construction projects, including materials and equipment on-site. This insurance is essential for protecting your work against unforeseen events like fire, theft, or natural disasters.

• Professional Indemnity Insurance: Protects against claims of negligence, errors, or omissions in your design or consultancy services. It’s crucial for covering legal fees and compensation costs if your advice or work leads to financial loss for a client.

• Public Liability Insurance: Offers protection against claims from third parties for injuries or property damage caused by your engineering activities. Whether you’re working on-site or in an office, this cover is essential for mitigating the risks associated with your operations.

• Employers' Liability Insurance: Mandatory for businesses that employ staff, this cover protects against claims for work-related injuries or illnesses. It ensures that your employees are protected while working on engineering projects.

• Plant and Machinery Insurance: Covers the cost of repair or replacement of your valuable equipment if it’s damaged, lost, or stolen. This insurance is vital for ensuring that your engineering operations can continue without costly delays.

• Business Interruption Insurance: Provides financial support if your business operations are disrupted due to an insured event, such as a fire or flood. It covers the loss of income and additional expenses needed to get your business back on track.

What is Typically Covered?

Comprehensive Cover for Engineering Projects
Engineering Insurance typically covers a range of risks specific to the engineering sector:

• Project Damage or Loss: Protection for physical damage or loss to construction projects, including materials, equipment, and temporary structures.

• Design and Professional Advice: Cover for claims of negligence or errors in engineering design or consultancy services that result in financial loss.

• Accidental Injury or Property Damage: Coverage for incidents where third parties are injured or their property is damaged due to your engineering work.

• Equipment Loss or Damage: Financial protection for your plant and machinery if they are damaged, lost, or stolen during a project.

• Legal Costs: Coverage of legal expenses associated with defending claims or lawsuits related to your engineering activities.

Exclusions: While Engineering Insurance offers broad protection, certain exclusions may apply, such as:

• Wear and Tear: Normal wear and tear of equipment or machinery is typically not covered.

• Deliberate Acts: Losses resulting from intentional damage or misconduct are excluded.

• Contractual Liabilities: Claims arising from contractual obligations that exceed standard legal liabilities may not be covered unless specified in the policy.

• Pandemic-Related Losses: Coverage for losses related to pandemics might be excluded unless specifically included in the policy.

Why Choose Becks Insurance Brokers?

Becks Insurance Brokers has extensive experience in providing tailored insurance solutions for the engineering sector. Our brokers work with leading insurers to offer competitive and comprehensive cover that meets the specific needs of your business. We pride ourselves on offering personalised service and expert advice, ensuring that you receive the most appropriate cover for your engineering projects.

Get a Quote Today

Protect your engineering business with specialised insurance from Becks Insurance Brokers. Book an appointment here or request a quote by completing our online form here. Our team is ready to help you secure the right cover for your business.