Public Liability covers your legal liability for death or bodily injury to the public (third parties) and loss or damage to third party property not owned by you or in your custody or control. It is crucial cover to anybody who has visitors to their premises or who visit clients premises.We believe that, whilst Products Liability cover is not compulsory, it is essential to any business engaged in manufacturing or supplying goods to a third party. The policy covers your legal liability in respect of personal injury or damage to property arising from the sale or supply of products specified in the policy.

In the event of loss or damage to your business assets, you are likely to face potentially substantial additional working expenses or losses of profit. The policy can be arranged to provide cover for these potential losses to enable the business to continue in operation. Specific engineering business interruption for breakdown and other damage to machinery and plant can also be arranged.

If you employ temporary or permanent staff you may be legally required to have Employer’s Liability Insurance. This insurance covers you if you are found to be legally liable for injury or damage to an employee or their property. Click find out more information on Employers liability insurance.

It is important that a company insures the products that they produce whilst in transit to the next destination. A suitable figure should be identified to cover the maximum value of goods in transit at any one time. This protects the insured against any damage or theft whilst en route & out of their control. Cover can be extended to cover any form of transit such as rail, road, plane or boat.

Stock is a key asset for any engineering company and cover is provided for raw materials, work in progress and also finished goods. Importantly, you can insure your stock at third party premises such as a subcontractors, suppliers etc.

This section of cover is there to protect the money that the company holds, whether it is kept in a safe, till or in transit. Cash, credit card slips, cheques and bankers’ drafts can all be covered under this section.

Cover on an all risks basis for buildings owned by the business, or for any improvements made to the building if you are a tenant. For more advice and information on ensuring your property is correctly insured please visit our buildings insurance page.

Protect computer equipment in your premises and also whilst taken off site (eg laptops and other portable equipment). Cover can be extended to protect against virus attacks, breakdown and loss of data. Read more about this on our computer insurance page

This section of cover is vital for engineering & manufacturing companies as you will rely on machinery to continue smooth production and continue to meet customer demand. Cover is available on an All Risks basis for your own equipment plus any third party tooling you may have.

Cover can be arranged to cover your property at third party premises (eg other sub-contractors premises that you may use such as for heat treatment, powder coating etc.