ENGINEER INSURANCE

Our engineers insurance policy is designed for the needs of businesses trading in the engineering sector an provides cover for your assets and liabilities

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  • Engineers save an average of £467 when they switch to us*.
  • £2m public and product liability cover as standard.
  • Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
  • Get a quote online or call now for a great deal on engineers insurance.

Looking for engineer insurance? We take care of business

Let Premierline Direct provide you with great cover, at a competitive price - engineer insurance that gives you peace of mind

  • We know that running a business is hard work and organising your engineering insurance, while necessary, can be a chore. That's why we aim to make arranging your engineers insurance quick and simple, allowing you to sleep easy knowing you have the right cover for your business needs - at a great price.

Our engineers insurance policies are designed to meet the needs of engineers.  But we believe that no two businesses are the same and you should only pay for the cover your business needs

  • Engineer insurance risks can be complex, more so than many other industries. That's why we can tailor policies specifically for engineering businesses.  Our engineer insurance covers your contents and stock, which includes machinery and plant and loss of profit, plus public and product liability. We also offer a wide range of optional extras, such as employer's liability -  which you need if you have employees - cover for costs caused by computer breakdown, cover for theft or fraud by employees and cover for your buildings. You'll also have access to our legal helpline, available 24/7 as standard.

Save money on your engineers insurance

  • As the first business insurance provider to deal directly with our customers, we have been able to offer our customers some fantastic savings.  In fact our customers save an average of 25% when they switch to Premierline Direct.

Our policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers

  • Over 30,000 businesses have chosen Premierline Direct for their business insurance. And the number is growing fast. If you are looking for engineer insurance why not find out how Premierline Direct can help?  Our policies are primarily underwritten by Allianz Insurance plc, part of the global Allianz group, so we can give you the peace of mind that comes from being insured by one of the UK's largest insurers.

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We give our customers far more than just engineer insurance

Because great service counts, you'll find Premierline Direct easy to deal with whether online, over the phone or even face-to-face - whatever suits you best

  • Like all good businesses, we understand the importance of listening to our customers.  That's why we asked you exactly what kind of website and what kind of service you wanted and expected from us.  And we've responded with a brand new, user-friendly site offering easy navigation to information on all our products.  Plus, our highly trained team of UK-based business insurance experts are on hand to help provide a rapid-response, engineer insurance quote to you over the phone.  There are no forms to fill in, and we will get your documentation to you quickly. If your needs are complex, we can also visit your premises to talk things through with you.

And if you need to claim, we're right there for you 24/7, ready to get your business up and running again. Fast!

  • We know how devastating an engineering insurance claim can be.  So, if things go wrong and you need to claim, we make sure we act fast to get you back in business with minimal fuss or delay.  Day or night, our 24/7 claims line will provide you with support when you most need it.  Our commitment is to settle claims fairly and efficiently. 

All our customers have access to an exclusive, risk-management website - giving you a whole range of tools to help manage and reduce the risk to your business

  • Our unique website, Risk Director, is an interactive, one-stop-shop for risk management and support, giving impartial guidance on risk assessment, training and development.  Also available through the website are discounts from preferred suppliers and access to our free health, safety and environmental helpline.

And Premierline Direct engineer's insurance customers get exclusive access to a wide range of discounts, all aimed at cutting your business running costs

  • As a Premierline Direct customer you can take advantage of our Business Savings Programme, giving a wide range of exclusive offers from big-brand names in office supplies, business and leisure travel, IT services and many others - companies like Apple, Epson, Hewlett Packard, Viking Direct and Sharp.  Call us to find out more.

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Standard cover

The following is covered as standard within our engineer policy:

Business contents - Our policy covers your machinery, plant, trade contents and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises.

Business interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy.

A gross profit sum insured of £250,000 with an indemnity period of 12 months is our standard cover.

Loss of accounts receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to loss or damage caused by an insured peril to your books of account or business records.

Public & Products liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.

Related products

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Extensions of cover

 

Our engineering insurance cover includes the following extensions as standard:

Contents extensions Standard cover limit
Breakage or malicious scratching of internal or external fixed glass, boarding up, repair to associated framework incurred as a result of an insured breakage and breakage of fixed sanitary ware. Up to the amount of your contents sum insured
Repair or replacement of lettering, alarm foil or other ornamental work on glass £500 any one loss
Removal or replacement of fixtures and fittings which may be necessary in connection with the replacement of glass. £500 any one loss
Loss or damage to your merchandise, goods and tools or those held in trust by you for which you are responsible, whilst being transported anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland in any vehicle(s) owned, hired or leased by you. £2,000 any one event and in the aggregate
Replacement of external locks following: £500 in any one policy period
Loss of keys by theft from the premises or authorised private residence;
Hold up whilst such keys are in the personal custody of an authorised person.
Loss of money:
Whilst in transit or in a bank safe (cash carrying warranty will apply) £3,000 any one loss
From the premises during business hours £3,000 any one loss
From the premises not in a safe and unattended. £500 any one loss
From the residence of a principal or authorised employee £500 any one loss
From vending machines £300 any one loss
Outside business hours:
From locked safe £1,500
From the premises not contained in a locked safe. £500
Non-negotiable money (e.g. crossed cheques, credit card counterfoils) £250,000 any one loss
Personal Accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in the course of the business. Weekly benefit for disablement - £100 per week for up to 104 weeks. £10,000 for death, loss of limb(s) or sight.
Damage to property at exhibitions £10,000
Loss of metered water directly resulting from accidental loss or destruction of or damage to the property insured. £2,500 any one loss

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Optional extras

We also offer a range of additional optional covers for an additional premium. These include:

Employer's liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.

Buildings - Covers the cost of rebuilding your premises.

Theft by employees - Cover against a direct loss as a result of fraud or dishonesty by employees up to a maximum of £5,000 in any one policy period.

Specified All risks - Provides cover for specified items used away from the business premises throughout the UK and for up to 30 consecutive days elsewhere in the world.

Computer breakdown - provides cover for loss or damage caused by computer breakdown or failure up to a value specified by you.

  • Cover also extends to:
  • Loss or damage to computer records up to a limit of £5,000 in any one policy period.
  • Additional expenditure arising from the breakdown of computer equipment up to £10,000 in any one policy period.
  • Reinstatement of data up to £5,000 in any one policy period.

Personal accident - This cover provides compensation in certain circumstances to principals, directors and partners up to 65 years of age arising from accidents at work.

The basic level of cover provides:

a) Death £5,000
b) Loss of sight in one or both eyes £5,000
c) Loss of one or more limbs £5,000
d) Permanent total disablement after 104 weeks from the date of accident not arising from b) or c) above £5,000
e) Temporary total disablement after 14 days from the date of accident £200 per week up to 104 weeks

Subsidence - This provides cover for damage to your premises as a result of subsidence, ground heave or landslip.

Terrorism - Covers you against damage to your property from the effects of acts of terrorism up to the maximum sums insured of Section 1 - Contents and Section 4 - Buildings.

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Exclusions & limitations

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to security requirements, alarms and under-insurance, as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases. Excesses apply to certain types of claims.

Theft damage to premises - Where optional cover for buildings has not been purchased, loss or damage to the premises directly resulting from theft is limited to £25,000 for any one loss. See Clause V of Section 1 for terms and conditions.

Empty Buildings - We must be notified immediately if any building becomes unoccupied and a suitable extra premium paid if required. A warranty also applies which details measures you must take to protect the premises during periods of unoccupancy. See Clause N of Section 1 for terms and conditions.

Stock in any cellar - or basement to be placed on racks at least 150mm above floor level - see Section 1 of the Policy Document - Contents of the Premises, items A3 & A4, for terms and conditions.

Fire Protection Measures - Section 1 Contents and Section 4 Buildings

It is warranted that:

  • all fire break doors and shutters be kept closed, except during working hours, and be maintained in efficient working order
  • all fire extinguishing appliances be maintained in efficient working order.

Waste removal warranty - It is warranted that all trade waste is swept up and bagged every night and removed from the premises at least once a week. See page 5 of the policy document for terms and conditions.

Minimum standards of security apply - Our liability for loss or damage by theft or attempted theft (including loss of money) is excluded unless our security requirements are fully complied with.

Goods in transit (Security) - If a vehicle is left unattended it must be locked at all points of access and it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E2 of the Policy Document for terms and conditions.

Business Interruption - Loss of gross profit to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension H4 of the Policy document for terms and conditions.

Transit Condition - It is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:

  • a) the money must be accompanied by not less than two responsible adult persons;
  • b) not more than £2,500 will be carried by any one person.

Personal Accident: Assault - Age limits of 16 to 70 apply. Compensation for death or loss of limb or sight only applies if they occur within two years of sustaining the bodily injury. See Extension 5 of Section 1 for terms and conditions.

Fire Precautions Condition: Public Liability - This condition details measures to be taken by you, your employees or subcontractors whenever carrying out work away from your premises which involves the application of heat or angle grinders. See page 16 of the policy document for terms and conditions.

Public Liability - Cover excludes legal liability arising out of:

  • work on offshore installations
  • lack of care or skill in giving professional or other advice or treatment (other than first aid)

See Exclusion 2 of Section 3(b) for terms and conditions.

Asbestos Exclusion - Only Applicable to Public and Products Liability

We will not be liable for legal liability in respect of injury loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.

Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage.

Products Liability - Cover excludes injury or loss of or damage to property caused by or in connection with products which are:

  • for use in or on any aircraft and which are critical to the safety or airworthiness of the aircraft; directly or indirectly exported to the United States of America or Canada.

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