Public liability
Injury or property damage on site
A client, passer-by or neighbour injured by your work, or their property damaged, can lead to compensation claims. Public liability is core cover for most mechanical engineers.
Trade cover
Mechanical Engineer Insurance
Mechanical Engineer cover, quoted in minutes. Your quote depends on trade, turnover and cover levels.
Get a quoteTakes about 5 minutes · No card details to get a quotation · Documents by email
The work
Mechanical Engineer cover built around how you work
Mechanical engineers play a vital role in our society, designing and building the machines and devices that we rely on every day. But with such great responsibility comes great risk. If something goes wrong with a product or service that you have designed or provided, you could be sued for millions of pounds.
You need an insurance policy to match your skill set. Whether it's mechanical and electrical building services, or if you work on production line and process control, we’ve got the right insurance to make sure you're covered.
That's why it's so important for mechanical engineers to have the right insurance in place. Mechanical engineer insurance can protect you from a wide range of risks, including:
At Tradesman Insurance 4U, we offer a comprehensive range of mechanical engineer insurance policies to suit all needs and budgets. We can also provide you with tailored advice on the best cover for your specific business.
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Professional indemnity
Advice or design error
If your plans, specifications or professional advice cause a client financial loss, professional indemnity responds, not premises-only public liability.
Tools and equipment
Theft, loss or damage
Stolen or damaged tools can stop you earning. Optional tool cover helps replace kit so you can get back on the job.
On the quote form
Cover you can select
These are the cover options you can build on the form. Your quotation and schedule confirm what applies.
Public liability
The core cover for injury and property damage. Limits from £1m to £10m on our form.
Professional indemnity
For advice, design or consultancy work. Limits from £50,000 to £5m.
Tools and equipment
Optional cover for theft, loss or accidental damage to your kit.
Employers' liability
Legally required if you employ staff, including part-time or temporary workers.
Prices start from
£179.95 / year
including IPT
What mechanical engineer cover costs
£179.95 is the lowest price available on our quote form for public liability for mechanical engineer. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select.
It is not a typical package and most policies cost more.
Quote online in minutes
Select your trade and cover on the form.
1
Select your trade
Choose your trade and tell us how your business is set up.
2
Pick your cover
Add public liability, employers' liability, tools and other options.
3
See your price
Your quotation updates as you select limits and extras.
4
Get your documents
When you buy online, documents are emailed straight away.
Claims we have handled
Settled examples from tradespeople. Each outcome depended on the cover in force at the time.
Public liability
An electrician replaced a consumer unit and a short circuit damaged the client's appliances.
Public liability covered the property damage claim.
Scaffolding
A scaffold collapsed onto neighbouring property during erection work.
Public liability responded to the third-party property damage.
Painting and decorating
A decorator knocked over a tin of gloss paint, staining carpets and furnishings.
Public liability covered the damage to the client's property.
Employers' liability
An employee fractured their ankle after falling from a ladder on a customer's site.
Employers' liability covered the employee's injury claim.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
Google reviews
5.0 out of 5 from 368 Google reviews
I dealt with Nick today, great experience, very helpful and informative as well as getting me the best price possible. i would highly reccomend using Nick for your insurance needs
matthew borrowdale
a month ago · Google
Very happy to continue with Tradesman Insurance. The contact was very helpful and straightforward in explaining my questions. I found the premium very reasonable in comparison and will continue with them.
Mark Haynes
3 months ago · Google
Nick was great to deal with on the phone. Explained everything, got me the right policy, and was hassle free. Top man
Jamie Davin
3 months ago · Google
Mechanical Engineer Insurance FAQs
Most mechanical engineers need public liability. Add employers' liability if you have staff, optional tool cover for equipment, and professional indemnity if you give advice or design work.
It is not a legal requirement for every business, but many clients, sites and contracts expect it. Employers' liability is legally required when you employ staff.
If your work includes advice, plans, specifications or design, professional indemnity protects you if a client suffers financial loss because of an error in your work.
Public liability for mechanical engineer starts from £179.95 a year, including Insurance Premium Tax, on our site. £179.95 is the lowest price available on our quote form for this trade. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select.
It is not a typical package and most policies cost more.
See your mechanical engineer price
Select your trade and limits on the quote form. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Mechanical Engineer Insurance
from £179.95 a year incl. IPT; your price depends on what you select