Mechanical Engineering Insurance

Quick and personalised indemnity and liability insurance for mechanical engineering contractors.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
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Caunce O’Hara’s Mechanical Engineer insurance offers comprehensive industry-specific insurance for a broad range of risks faced by mechanical engineering contractors who undertake design and consultancy work.

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.

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What is mechanical engineer insurance?

Mechanical Engineer insurance is designed to protect you against the unexpected ¬– for example, something going wrong during a project for a client.
The insurance policy will provide cover to protect you and your business against the legal action against you in the event that you made a mistake in your work, or if someone was to be injured due to an error on your part.

Why do mechanical engineers need insurance?

As a mechanical engineer, you work under pressure in environments that require high levels of technical proficiency and are exposed to potential errors that can cause business disruption and loss of revenue to a client’s business.
If you find yourself in this position, knowing that you have the right level of insurance protection in place can give you the peace of mind you need to continue with your work, while also helping to mitigate a potentially stressful and costly outcome.
As an engineering contractor working through a recruitment agent, you may find you are required to carry insurance, such as professional indemnity, public liability and employers’ liability, before you are allowed to start working for them.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers
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Trusted by over 23,000 clients for their business insurance.

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Immediate cover available, with documents issued via email in minutes!

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Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
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Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Feefo
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Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
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Frequently Asked Questions

The business insurance policy will provide cover for claims including:

Alleged negligent advice

You have worked on 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.

Design errors

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 to costs of correcting your mistake and potentially for the business interruption costs. Professional Indemnity insurance would provide cover 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. 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: a mechanical 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 £192.00 per year. That’s only £16.00 per month, which we think represents good value considering the level of cover and peace of mind that you gain.

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 and members of staff.

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.

Contact us

Call 0333 321 1403

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.

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Contact Caunce O'Hara for your business insurance today