Engineering Consultant Insurance

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Engineering Consultant Insurance

What Is Engineering Consultant Insurance?

As an engineering consultant, you play a vital role by providing expertise and giving professional advice to a wide range of sectors including energy, construction and the automotive sector. Whatever area you specialise in, there are still a range of risks that you face, because of the nature of your role. You’ll face these risks regardless of whether you have your own business or work as a self-employed individual. With the right engineers insurance, you can ensure that your business is protected if there is ever a claim made against you and your business. Through The Insurance Octopus, a Feefo Platinum awarded provider, you can tailor your cover to include exactly what you need. With this cover, and access to our dedicated team, you can have peace of mind that your business is protected. 

We source policies that are designed in a way that allows you to add, remove, increase or decrease any area of your cover. Better still, you can update your policy at any time – please be aware that your insurer may charge an additional premium, BUT we don’t charge administration fees for mid-term adjustments, under any circumstances. To get started on building your policy, please complete our online quote form or request a call back. Our team will then be in touch to discuss your options. 

The types of insurance for engineering consultants may include:

Commercial Combined Insurance awards

Professional Indemnity Insurance
This type of cover ranges from £50,000 to £10m and provides cover for financial or trading loss that occurs as a result of a claim. This claim might be about Negligence, Loss of Data, or Intellectual Property Rights, just to name a few examples.

Commercial Combined Insurance awards

Employers Liability Insurance

This type of engineering insurance is required by law if you have one or more employees. We can source cover of £10m, as standard, to ensure you have adequate insurance. This cover will protect you in the case of an employee dispute where an employee makes a claim against you.

Commercial Combined Insurance awards

Public Liability Insurance

Public Liability cover protects engineering companies if a member of the public gets injured, or their property becomes damaged. This cover protects you against the cost of repairs and legal proceedings, with cover available from £1m to £5m. Additional levels of cover are available upon request.

Commercial Combined Insurance awards

Legal Expenses Cover

This can cover legal costs, including the cost of legal representation when defending a claim that’s been made against you and your business.

How does insurance for engineering consultants work?

All the cover you’ll need for your consulting work, in one simple policy

At The Insurance Octopus, we source Business Insurance and Consulting Engineer Insurance policies that are designed to allow you to add, remove, increase or decrease all areas of your insurance cover. You can put together a bespoke Consulting Contractors Insurance policy to the way you want it. All the essential cover you will need in one insurance policy. 

As a professional who is involved in providing engineering advice, a Consulting Engineers Insurance policy will provide you with the relevant cover you require, giving you peace of mind that should there ever be a claim, your business will be protected. 

The role you play requires you to assist your clients with your technical expertise. This expertise could be from a variety of different fields and sectors such as the civil, telecommunications, energy, defence, IT or automotive sectors. You could operate as a self employed consultant or run a small consulting firm, but no matter your circumstances we will endeavour to find you one policy to include all the protection covers you need. 

What your Engineering Consultants Insurance Policy includes?

Professional Indemnity Cover

Professional Indemnity cover limits are from £50,000 to £10m. Protecting you from any financial or trading loss that may be caused as a result of bad advice or a mistake made in work. Typically these claims can be a result of Negligence, Dishonesty, Defamation, Infringement of Intellectual Property Rights and Loss of Data. 

Employers Liability Insurance Cover

Employers Liability insurance is required by law if you have one or more employees. Employers Liability cover is standard at £10m and will protect you as the employer against claims from your staff whilst working for you. 

Public Liability Cover

Public Liability cover protects you if a customer or a member of the public is injured, or their property is damaged. Public Liability insurance protects you against the cost of repairs or any legal proceedings that could be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request. 

Legal Expenses Cover

Legal Expenses Cover can cover the cost of legal representation and other costs associated with defending a claim.

Benefits of having Engineering Consultants Insurance

Taking out the correct insurance will ensure you are covered for your consulting duties and the risks associated with your consultative work. The Insurance Octopus will endeavour to source a business insurance package for your businesses or personal needs with the relevant level of Professional Indemnity cover. 

Covers such as Business Interruption Insurance, Personal Accident Cover, Contract Works or Contractors All Risks Insurance and more, are all additional add-on covers with levels of cover that can be increased or decreased as required. By having flexibility with your Professional Indemnity Business Insurance Policy through The Insurance Octopus, you can make sure your insurance is just what you will need. 

Don’t overpay on your Professional Indemnity Cover, get the right cover for the right price today

Specialist Engineering Cover

We cover a variety of engineering trades and occupations, and are specialists in providing Professional Indemnity insurance, which is of course a key element of your Consulting Engineer Insurance. You will get a bespoke policy that ensures you only pay for the cover you need. We can source and add cover for your business equipment at home, in the office or in transit and provide options for covering you in sector specific situations as required. 

Direct debit payment facility

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Call us today to speak to our specialists.

Why choose The Insurance Octopus?

We proudly make buying insurance simple and transparent, and our sourced cover comes with a range of benefits. 

Up to £5 million of cover

Claims can be expensive, that’s why we source cover that offers up to £5 million worth of public liability cover for shops. With more available upon request. 

Simple specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A team that knows your industry

We’ll connect you with an agent who understands many of the challenges you face and can truly get to grips with the type of cover you need. 

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

How it works?

Examples of Engineering Consultant Insurance in action

Don’t lose your business too

An engineering professional was working on a major project away from home and travelling to and from the site by train every day. Unfortunately, he managed to lose a number of vital documents on his journey one morning. This caused a major delay to the project and a possible breach of confidentiality. When the client decided to proceed with legal action, the Professional Indemnity Insurance that the engineer held was there to cover the costs of defending the case.

Types of professionals we can source cover for

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