Engineers insurance

Specialist cover for technical and engineering contractors from £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

Our specialist liability insurance for engineering contractors provides expert cover for a wide range of technical engineering professions.

With over 25 years experience in the sector, we understand the risks facing contract engineers. A mistake in a design, poor advice or an accident caused by your error could result in your client pursuing you for the cost of putting things right. Our contractor engineer insurance can cover you against such scenarios and many more - giving you the peace of mind that if something does go wrong, you'll be covered.

We cover a multitude of professions - project engineers, design engineers, electrical engineers, mechanical engineers and many more - across a wide range of onshore and offshore industries, including energy, oil and gas.

Tailoring your engineer contractor insurance online is quick and easy, and you'll receive an instant proof of cover, enabling you to secure contracts straight away. Our simple quote system asks about your business activities and offers you covers that may be of interest, allowing you to choose to buy all or just some of the covers quoted, so you will only pay for the insurance you want. Get a quote now!

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Cover starting at just £5 a month

Tailor your contractor engineer insurance with these covers

  • Professional indemnity insurance

    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.

    Examples of claims include:

    • You are contracted to provide a number of 3D designs for a client. You use incorrect measurements in your designs, which results in significant delays to your client's project. Your client takes legal action against you to recover their losses.

    This cover is usually a mandatory requirement for contract engineers requested by either the recruitment agency or directly by the client. We offer cover for a wide range of limits ranging from £100,000 to £5m.

  • Public and product liability insurance

    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. An example of a claim would be:

    • You leave a bag lying next to your desk, which a colleague trips over and injures themselves. They are unable to work for a period of time and take legal action against you seeking compensation.
    • You spill a cup of coffee over a high-specification client-owned computer, rendering it useless. Your client pursues you for the cost of replacing the laptop.

    If you visit client premises or sites, you may need this insurance to cover your liabilities - and like professional indemnity insurance, it is usually a requirement of recruitment agencies and/or their client before you are awarded a contract. Limits range from £1m to £5m.

  • Employer’s liability insurance

    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 you have employees, regardless of whether they are full time or part time, you need this cover. Cover for £10m.

  • Directors and officers insurance

    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

    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.

  • Occupational personal accident

    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.

    If you were unable to work following an accident while working on an engineering contract, and you would struggle to maintain a steady income while you were off work, you should give consideration to this cover.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs, together with any award you are required to pay, following an employment dispute. It also pays costs and expenses for certain crisis management, identity fraud, official investigation, corporate manslaughter, pollution and data protection issues.

  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients' projects (including designs, schedules and other sensitive data) on computers and other internet connected devices, you should give consideration to this cover.

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Cover starting at just £5 a month

Frequently asked questions

  • I need to arrange insurance to start work - do you provide proof of cover?

    Yes. We provide a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) as part of the documents that are emailed to you if you purchase your policy with us. You can present this document to agencies and clients as proof that you are insured.

  • Am I covered if I work abroad?

    In most cases, we can insure you if you do a proportion of your work abroad. Our simple quote form will ask what percentage of your income comes from overseas - we'll then be able to tell you instantly whether we can cover you or not. Alternatively, call us on 0800 640 6600 to speak to one of our contractor insurance experts.

  • I undertake work offshore - does the policy cover this?

    We offer cover for a wide range of professions working offshore. Get an online quote now or call us on 0800 640 6600 if you'd prefer to speak to someone.

  • What's the difference between professional indemnity and public liability?

    Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.

    Public liability insurance is different - it covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.

    As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits, so you're sure to find the right cover for your business.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing contractors, consultants, freelancers and self-employed professionals, and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.

    We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.

    Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

Access exclusive contractor services - included as standard

As an expert in insurance for engineering contractors, our customers benefit from exclusive access to unique services designed to make your life easier - all included as standard (when the relevant section of cover is purchased).

  Fee dispute service

As every contractor, consultant or self-employed professional knows, customers don't always pay on time and chasing fees/invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with professional indemnity insurance.

  Discounted IR35 contract reviews

Falling within IR35 legislation - which determines that an individual is avoiding tax by using a limited company to disguise employment - is a huge concern for engineering contractors and consultants, with the fees and penalties due to HMRC eye-wateringly high. Our policyholders receive an exclusive discount on IR35 contract reviews from Abbey Tax (a Markel company), who have over 20 years experience advising individuals and businesses on their tax status. As part of the service, Abbey Tax will review your contract, along with your working practices, to determine whether or not you are operating outside of IR35, and you'll receive a written report with suggested contract amendments where appropriate. Policyholders can access this service by calling 0345 223 2727 or emailing contractreviews@abbeytax.co.uk, quoting 'MKLD' and your policy number.

  Employer helpline

When there's an issue with one of your employees, it can be difficult to know where to turn for advice. Our dedicated team of employment law specialists at LHS Solicitors are on hand to assist you with a range of employment law disputes including disciplinaries, dismissals, unlawful discrimination, redundancy and TUPE. Included as standard with legal representation and employment disputes insurance. 

  Public relations crisis management service

In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

Cover starting at just £5 a month