Office contents
Selected cover for furniture, computers, equipment and other business contents at insured locations.
Business & equipment insurance
Protect the tools behind the engineering work.
Cover options for office contents, computers, portable devices, specialist surveying and testing equipment, and selected interruption risks.
Unsure how portable equipment should be insured?Ask us before completing a full quote form.
Business property
The practice depends on more than an office lease.
Engineering businesses can rely on valuable equipment both in the office and in the field. The policy needs to reflect where those assets are used, stored and transported.
- Computers, monitors and office contents
- Laptops, tablets and portable devices
- Surveying, measurement and testing equipment
- Specialist tools and technical instruments
- Equipment temporarily taken to client or project sites
- Selected additional costs following insured damage
What shapes the cover
Location and use can matter as much as value.
A useful equipment schedule describes not only what the business owns, but where each item travels and how it is protected.
01Replacement values and maximum value at one location
02Equipment used away from the main premises
03Storage in vehicles, homes and temporary sites
04Theft protections and unattended-vehicle conditions
05Fragile, calibrated or highly specialised instruments
06Hired, leased or borrowed equipment
07Overseas use and territorial limits
08Dependence on assets for ongoing revenue
Cover options
Match the policy to where the assets work.
Equipment away from the office
Selected cover for declared portable items while taken to meetings, inspections and project sites.
Surveying and testing gear
Specialist instruments may need individual values, clear descriptions and appropriate accidental-damage terms.
Business interruption
Selected loss of income or increased operating costs following insured property damage.
Cover depends on the insured events, locations, sums insured, territorial limits, excesses and exclusions. Portable and specialist equipment should not be assumed covered unless it is included appropriately.
Important details
Small policy conditions can make a large difference.
Review how the policy treats assets in transit, temporary locations and common loss scenarios.
- Replacement cost, indemnity value and underinsurance provisions
- Accidental damage versus specified insured events
- Theft following forcible entry and security requirements
- Unattended-vehicle restrictions and overnight storage
- Flood, storm and other location-specific hazards
- Mechanical or electronic breakdown limitations
- Cyber events, registered vehicles and drones requiring separate consideration
Preparing a request
What helps us obtain meaningful terms.
Asset descriptions
List important equipment, serial details where relevant, and realistic replacement values.
Where assets are used
Identify offices, homes, vehicles, project sites and any regular interstate or overseas use.
Storage and protection
Explain alarms, physical security, vehicle storage and other theft protections.
Business impact
Consider replacement time, hire costs and how long the practice could operate without key equipment.
Useful guides
Protect the equipment and the work around it.
Specialist surveying and testing equipment
Cyber risks particularly relevant to engineering firms
When an engineering consultancy may need Public Liability
More insurance guides for engineering businesses
Common questions
Business equipment cover, explained clearly.
Not necessarily. Portable cover, territorial limits and the declared use of the equipment should be checked. A premises-only policy may not respond at a client or project site.
Cover often depends on the vehicle, time, location, security and evidence of forcible entry. Unattended or overnight vehicle exclusions are common and should be reviewed carefully.
The appropriate basis depends on the wording, but current replacement cost can differ significantly from the original purchase price or accounting value. Confirm the valuation basis before setting sums insured.
Potentially, where the interruption results from insured property damage and the policy includes suitable cover. Indemnity periods, insured gross profit and additional costs need to be selected carefully.
Do not assume it is. The hire agreement, responsibility for damage, maximum values and the policy’s treatment of property in the business’s custody should be checked.
Next step
Protect the equipment your engineering practice depends on.
Tell us what the business owns, where the equipment is used and what an interruption would mean.
A simpler first step
Not ready for a quote? Start a conversation.
Start a conversation
Request information or a callback.
Tell us what you need and how you would like us to respond. There is no need to complete a full proposal form.
Concept only—the production version will use a short Gravity Form and notify the team.