Quick and personalised indemnity and liability insurance for engineering contractors and engineering businesses.Start your quote
Caunce O’Hara’s Engineering insurance offers comprehensive industry-specific cover for a broad range of risks faced by engineers who undertake design and consultancy work for their clients.
What it costs for cover and your peace of mind, makes our Engineering insurance a worthwhile investment, because the alternative if a claim is made against you and you’re not insured does not bear thinking about.Start your quote
The engineering indemnity insurance policy will provide cover to protect you and your business from the legal action taken against you in the event that you made a mistake in your work. Our liabilities insurance will protect you and your business if someone was to be injured, or if a client property was damaged, due to an error on your part.
As an engineering contractor or engineering business your clients trust you and your expertise to ensure things you produce for them are correct. Your clients need engineers they can rely on and they’re putting the success of their business in your hands.
We understand that mistakes happen and unfortunately fixing them can be expensive. Whether it’s an error in design calculations or flaws in product design, mistakes could cause problems for your client’s business and yours too.
Our Engineer insurance is designed to protect you against the unexpected – for example, something going wrong during an engineering contract for a client.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
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The business insurance policy will provide cover for claims including:
You produce a design for some engineering machinery, but your designs have been incorrectly calculated, rendering the resulting machinery unfit for purpose. Your client takes legal action against you for the costs of correcting your mistake and potentially for the business interruption costs. Professional Indemnity insurance would provide cover in this instance.
Alleged negligent advice
You have worked on a cost-efficiency project for your client, but you have overlooked key points that needed to be considered. This has resulted in your client incurring additional financial costs than they were paying before. As a result, the client pursues a legal claim against you for the increased costs incurred. Professional Indemnity insurance would cover you in this instance.
Breach of contract
A breach of contract can include you missing an agreed deadline for delivery of an engineering project you are contracted for, or it can be that for some reason you are unable to fulfil an agreed contract and need to terminate the contract early. Professional Indemnity insurance would provide cover for this in the event your client made a claim against you.
You cause an accident while working onsite
You are contracted to work onsite for a client. Your laptop cable is exposed and causes a member of staff to trip and fall, resulting in a wrist injury. A claim is made against you for causing the accident and to pursue damages for loss of earnings for the employee as the injury meant they could not work. In this instance, you would be covered by Public Liability insurance.
With Caunce O’Hara’s intuitive online quote and buy system you can get an indicative quotation for your engineering contractor insurance in a matter of minutes.
As an example: an electrical design engineer with an annual turnover of up to £50,000, who needs Professional Indemnity insurance with an indemnity of £500,000 of cover (in any one claim) would pay as little as £249.60 per year. We think this represents good value considering the level of cover and peace of mind that you gain. (Figure correct 17.11.2021).
Apart from Professional Indemnity insurance, engineering contractors will likely be asked to ensure they carry Public Liability insurance as part of their contractual obligations to protect the clients’ property in the event of damage and to protect members of the public in the event of an accident.
It is also important to note that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance.
Legal Expenses insurance will provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch