Professional Indemnity
For covered allegations connected with mechanical design, calculations, specifications, testing, reports and professional advice.
Mechanical engineers
Insurance for mechanical engineers.
Professional Indemnity and business insurance advice for firms designing machinery, plant, mechanical systems and industrial equipment.
Want to talk it through first?Start with a callback—no quote form or commitment required.
Scope of work
The systems and responsibilities need to be clear.
A strong insurance submission explains the machinery and systems you design, the industries you serve and whether your practice also manufactures, installs or commissions equipment.
- Machinery, equipment and mechanical system design
- Industrial plant and materials-handling systems
- HVAC, hydraulics and building services engineering
- Manufacturing, automation and process improvement
- Pressure equipment, piping and specialist components
- Failure analysis, testing and remedial advice
- Project management, commissioning and technical support
Underwriting context
What can influence the insurance terms?
The detail behind the occupation matters. Clear information about machinery, industries, project scale and any physical contracting work helps insurers assess the actual mechanical engineering risk.
01Mining, heavy industry and bulk-material handling projects
02Product design, manufacturing and machinery supply
03Maximum project values and safety-critical systems
04Pressure equipment, lifting systems and rotating machinery
05Testing, commissioning and performance guarantees
06Installation, fabrication, maintenance or manual work
07Design-and-construct contracts, subcontractors and overseas work
08Claims, complaints and known circumstances
Cover around the practice
Protection around the whole practice.
Public & Products Liability
For certain third-party injury or property damage claims associated with business activities and site attendance.
Cyber insurance
Selected cover for cyber, privacy and technology events affecting the practice.
Business & equipment
Cover options for office assets and portable technical equipment used by the firm.
Cover availability, terms and exclusions depend on the insurer and the information supplied.
Preparing the submission
Information worth having ready.
You do not need every document before starting the conversation, but these details usually help us obtain meaningful written terms.
- Fee split by mechanical service, system and industry sector
- Machinery, HVAC, industrial, mining and manufacturing percentages
- Typical and maximum project values
- Details of testing, commissioning and performance obligations
- Any fabrication, installation, maintenance or product supply
- Current policy, claims and contractual insurance information
Useful guides
Go deeper when you need to.
Choosing a Professional Indemnity limit
Defence costs inside or outside the limit
Retroactive cover and prior work
Insurance requirements in engineering contracts
Common questions
Mechanical engineering insurance, explained clearly.
Mechanical engineering spans very different exposures, from building services to heavy machinery and industrial plant. A clear breakdown helps insurers assess the systems, industries and responsibilities involved.
Yes. Professional design and physical fabrication, installation or maintenance create different risks and may require Public Liability, product, contract works and other operational cover.
Yes. Certification and sign-off responsibility can materially affect the risk, even where it represents only a small share of revenue.
Explain what is designed, how it is used, the project or product value, whether you manufacture or supply it and the responsibility accepted under contract.
Next step
Request written terms for your mechanical engineering business.
Tell us about the machinery, systems, industry sectors and responsibilities your practice accepts.
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.