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Mechanical Engineering Insurance

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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.

Caunce O’Hara’s mechanical engineering insurance can be highly beneficial to you in providing cover should something not go according to plan, compelling your client to make a claim against you for their financial loss.

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.

 

At Caunce O’Hara, we have developed a range of engineering insurance policies specifically tailored to meet the needs of the broad range of professions.

With various engineering professions considered when the policy was written, you can rest assured that you are insured against most instances from which a claim might arise.

What it costs for cover and your peace of mind, makes our engineering insurance worthwhile, because the alternative if a claim is made against you and you are not insured does not bear thinking about.

 

Available insurance policies for engineers include:

Professional indemnity insurance – This policy will provide cover if advice, designs, or guidance you have provided to a client cause them a financial loss. The policy will cover legal costs and expenses in defending a claim as well as compensation payable to your client for loss or damages. Making PI a valuable business insurance policy for all engineering businesses.

Business combined liabilities insurance – This policy includes cover for public liability; employers’ liability; optional products liability cover; directors and officers; office contents and portable equipment; additional cost of working cover; and optional manual work insurance.

Personal accident and sickness insurance – This policy will cover you for loss of earnings if you are unable to work due to a work-related accident or illness.

Tax enquiry and legal expenses insurance – This policy provides cover (in any one claim) for legal representation costs in the event of an investigation brought against you. It can be particularly helpful in the event of an IR35 investigation by HMRC.

 

You can easily purchase cover with just a few clicks using our online quote system. Simply click the quote button to get a quick online quote in minutes.

Click here for a quick online quote for your mechanical engineering insurance

 

If you would prefer to speak to one of our team, please call 0333 321 1403.

 


Caunce O’Hara offer comprehensive business insurance for a range of engineering professions including:

What Insurance Do I Need?

Build your custom mechanical engineer insurance policy. We offer:

  • Professional Indemnity Insurance

    Professional indemnity insurance for mechanical engineers is essential and some clients won’t let you get started without it. This ensures that both sides are covered in the event your work is faulty or the client makes claims against you which are unfounded. As a freelancer or contractor, claims against your professional work can be very damaging to your reputation but professional indemnity insurance will protect you and your employer. We’ve spent years working with mechanical engineers to help understand their unique needs and how insurance can help them grow their business.

  • Business Combined Insurance

    To simplify the insurance process we have created the business combined insurance package which includes coverage from a number of common business problems. This includes public liability insurance, employer’s liability insurance, office contents insurance and officers and directors insurance. This provides comprehensive coverage for a number of common business issues. Public liability insurance will protect you from any claims made by the public while office contents insurance will protect your office equipment from theft or loss. There is also the option to cover portable equipment, so if you take your business laptop out and about and want to keep it safe, business combined insurance can help.

  • Personal Accident & Sickness Insurance

    There is no safety net when you are your own boss, meaning that freelancers and contractors who get sick or injured are not afforded the same level of protection as a full-time employee. If you get sick or injured and are unable to work, personal accident and sickness insurance will ensure that you are able to keep you monthly financial commitments until you are back on your feet. This is far better than simply saving for a rainy-day fund, as it can provide cover for the duration of the time you are off work. This means you can focus on getting back should the worst happen.

  • Travel Insurance

    Mechanical engineers travel from site to site for their work, which means they will be on the road a lot more than regular office employees. It’s important to make sure you are covered on business trips just as you would with a family holiday. And with business trips being a daily occurrence for mechanical engineers, you need a travel insurance policy that can keep up. With our annual travel insurance policy, you and your family will be covered for unlimited trips around the world (excluding the USA and Canada) whether you are travelling for work or a holiday.

  • Tax Enquiry & Legal Expenses

    Anyone who has ever faced a tax enquiry will know how stressful this can be. We can take the sting out of an IR35 tax enquiry by handling all correspondence so you can get back to work quickly. As an off-payroll worker, you are far more likely to face a tax enquiry so it makes sense to ensure you are sufficiently covered. With our legal expenses cover you’ll also enjoy financial protection if a claim is made against you, or if you need to make a claim against someone else.

Benefits

  • Competitive pricing
  • Dedicated handlers to assist with your queries
  • Documents issued instantly via e-mail
  • Access to your own claims team
  • Cover for legal defence costs and compensation bills
  • Monthly payments
4.8/5 4.85/5
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
  • "I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
    I found the person I dealt with very helpful and knowledgeable about my options."
  • "A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
  • "I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
  • "Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
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0333 321 1403

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