engineering insurance

Standard cover

Please refer to the policy document for terms and conditions.

For relevant exclusions and limitations please click here

Our insurance policy covers the following as standard:

• Business Contents - Cover for your trade contents, machinery, plant and stock - sums insured selected by you. Cover is provided against a whole range of perils including fire, explosion, lightning, earthquake, storm, flood, escape of water, riot & civil commotion, malicious damage, impact, leakage of oil from heating systems, theft by forcible and violent entry/exit and accidental damage
• Business interruption cover - helps to keep you in business following a claim, by protecting your trading position. Cover is for the reduction in gross profit, and reasonable profit additional expenditure necessary to maintain business continuity.
• Cover for £250,000 is automatically provided with a 12-month indemnity period, unless higher limits are required.
• Automatic extensions of cover includes murder/suicide, suppliers, denial of access, failure of public utilities supplier (e g electricity, water, gas) at customer’s premises.
• Loss of accounts receivable - cover for money that is owed by customers, which cannot be collected because records have been lost or damaged by an insured peril. Standard cover limit: £25,000.
• Public & products liability - cover against injury to the public and damage to their property - including liability arising from the sale or supply of goods. Cover limit: £2,000,000.