Project and site engineer 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 commission a cold store at a food processing unit. You provide incorrect specifications for the electrical wiring, which does not meet the required standard. Your client's project is significantly delayed as a result of rectifying your error, and they take legal action against you to recover their losses.

Project engineers are usually required by their recruitment agency, or directly by the client, to have professional indemnity insurance cover in place before they can begin work. We offer cover for a wide range of 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.
If you visit client premises or sites as part of your business’ activities, it’s likely you’ll need this insurance cover. Like professional indemnity insurance, it’s usually a pre-requisite for recruitment agencies and/or clients. Limits range from £1m to £5m.

Employer’s liability insurance is a legal requirement if your firm has employees. This type of insurance covers your business against claims for injury or illness suffered by employees arising from their employment with you. If you have employees, regardless of whether they are full-time or part-time, you need this cover. Limit of £10m.

Commercial legal expenses 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 for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.

Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts, and of 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 £100k 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.

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).

It pays a lump sum in the event of:

-       Loss of limbs

-       Loss of sight

-       Loss of speech

-       Loss of hearing

-       Permanent disablement

-       Death

This cover could help you maintain an income if you are unable to work following an accident while working on an engineering contract, and would struggle to maintain a steady income while off work.

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.