Public & Products Liability
For certain third-party injury or property damage claims arising from business activities, site attendance or products.
Other business insurance
Cover around the whole engineering practice.
Professional Indemnity is central, but engineering businesses can also face risks involving site visits, third-party injury, cyber events, equipment, vehicles and management decisions.
Not sure which covers are relevant?Start with a callback—no proposal form or commitment required.
Beyond professional advice
Different exposures need different cover.
Professional Indemnity focuses on allegations connected with professional services. It does not replace every other policy an engineering business may need.
- Third-party injury and property damage
- Cyber, privacy and technology events
- Office assets and portable technical equipment
- Directors, officers and employment-related exposures
- Commercial vehicles and business travel
- Specialist activities such as drone operations
Cover options
Build protection around the way the practice operates.
Cyber insurance
Selected cover for cyber incidents, privacy breaches, data restoration, interruption and response costs.
Business & equipment
Cover options for office contents, portable devices and specialist surveying or testing equipment.
Management Liability
Selected protection for claims involving directors, officers, employment practices and certain statutory liabilities.
Commercial motor
Cover options for vehicles used for client meetings, site visits and other business travel.
Drone insurance
Drone operations can introduce aviation, equipment and liability exposures that need to be considered separately.
Cover availability and insurer appetite depend on the activities, location, limits and information supplied. Some risks may require a separate policy or specialist referral.
Business profile
What can change the cover needed?
The right combination depends on how the engineering business operates—not just its discipline or revenue.
01Frequency and nature of site attendance
02Installation, fabrication or physical contracting work
03Portable equipment values and storage arrangements
04Personal, client and project data held by the firm
05Number of employees and management structure
06Vehicles used for business purposes
07Drones, specialist testing and emerging technology
08Client contracts, leases and principal requirements
A practical review
Start with the exposures, not a list of products.
A useful review maps the real business activities first, then considers which risks can be retained, reduced or transferred.
- Separate professional-service risk from operational risk
- Identify contractual insurance requirements
- Check whether subcontractors and consultants carry their own cover
- Review limits, excesses, exclusions and policy interactions
- Consider business interruption and incident-response priorities
- Revisit the program when activities, staff or equipment change
Useful guides
Understand the exposure before you choose.
When engineers may need Public Liability
Professional Indemnity versus Public Liability
Cyber risks for engineering firms
Specialist surveying and testing equipment
Common questions
Other business cover, explained clearly.
It may. Client visits, site attendance, leased premises and contractual requirements can still create third-party injury or property damage exposures.
PI may respond to some allegations arising from professional services, but it is not a substitute for dedicated cyber cover addressing incident response, privacy, data restoration and interruption risks.
Not necessarily. Check territorial limits, theft conditions, unattended-vehicle exclusions and whether specialist equipment has been specifically declared.
Drone and aviation-related liabilities are often restricted or excluded. Disclose the operation and confirm that appropriate liability and equipment cover is in place.
Sometimes, depending on the insurer and risk. The important point is to compare the scope and interaction of each section rather than assuming a package covers every exposure.
Next step
Review the insurance around your whole engineering business.
Tell us how the practice operates, where staff work and what assets, systems and activities need consideration.
A simpler first step
Not ready for a quote? Start a conversation.
Start a conversation
Request a callback.
Share the essentials and the team can get in touch. There is no need to complete a full proposal form.
Concept only—the production version will use Gravity Forms and notify the team.