Mechanical and refrigeration engineer insurance
Our specialist insurance has been designed to cover a multitude of risks facing mechanical and refrigeration professionals undertaking design and consultancy work.
Even well established businesses can be left exposed without the right insurance. A mistake made in a design for a client, an accident during a site visit, or a fire at your offices could cause irreparable damage to your business. Our mechanical and refrigeration engineer insurance could cover your business against such risks, giving you the peace of mind that if something unforeseen were to happen, you are covered.
Our mechanical and refrigeration engineer insurance can be tailored to the individual needs of your business in a matter of minutes. Our simple quote system asks about your business activities and offer you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the insurance you need.
Tailor your insurance with these covers
Professional indemnity insurance
covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This cover is mandatory for most mechanical and refrigeration engineers, and insurance is available with limits ranging from £100,000 to £5m.
Public and product liability insurance
covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If your business has employees, including other mechanical or refrigeration engineers, you need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We offer a specialist insurance policy designed for home based businesses
In addition to our standard office based insurance policy, we also offer a specialist homeworkers policy designed to cover the risks facing mechanical and refrigeration engineers based at home. Many business owners are left exposed by insufficient cover on their home insurance policies, so it is vital you arrange specialist insurance to avoid gaps in cover.
Our homeworkers insurance can be tailored to include a range of liability insurance covers, as well as the option of insuring your business equipment.
With cover available from just £5/month, and the option to spread the cost of your policy over 10 interest free payments, you are sure to find comprehensive cover for your business at an unbeatable price.