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Insurance for engineers, starting from less than £55* per year
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Get a QuoteOur standard cover is:
Engineer insurance starts from one fact: other people build from your work. A miscalculation, a flawed specification or a survey that missed something can surface years later as a very expensive claim, which is why professional indemnity insurance leads the policy for engineers in a way it doesn’t for most professions.
Professional Saver’s insurance policies cover consulting and design engineers from £55* a year, with public liability as standard and professional indemnity chosen to match your contracts. Quote online in five minutes; documents arrive the same day.
Two covers do the real work, and the balance between them depends on how much of your engineering happens at a desk:
Professional indemnity insurance covers claims that your designs, calculations, specifications or advice caused a financial loss: the retaining wall that needed redesigning, the system that failed its load, the survey that missed the fault. Professional indemnity insurance pays the compensation and the costs of defending the claim, and because engineering claims often arrive long after the project closes, it’s a cover to keep running continuously, not per contract. Client contracts and professional bodies typically specify the minimum level; structural engineers in particular will recognise the routine.
Public liability insurance covers the physical world: a client injured during a site visit, equipment damaging property during an inspection. Public liability insurance comes as standard with every policy at £1 million, with options up to £10 million for engineers whose contracts or site access requirements demand more.
Around those two sit the supporting covers in the professional insurance stack: business contents and equipment cover for instruments and IT (£100 excess), personal accident cover, and employers’ liability, which is usually a legal requirement once you take on staff. (We don’t sell standalone cyber insurance; professional indemnity can pick up some data-related claims.)
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer
Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
Complete our simple quote form with basic details about your business.
Get an instant quote & choose any optional covers you may need.
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Because engineering liability has a long memory. The work is signed, certified and relied on, and a defect discovered in year three still traces back to the drawing in year one. Defending even a groundless claim about professional negligence means expert witnesses and specialist lawyers, and the costs of defending can rival the compensation itself. PI insurance protects your business from both, and for a small consultancy it’s the difference between a difficult year and a final one.
There’s a commercial layer too: main contractors, frameworks and public-sector clients won’t onboard an engineering consultancy without proof of professional indemnity at a stated level. The certificate is part of the tender paperwork.
Every Professional Saver policy includes public liability, products liability, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. You then shape the engineering insurance policy to your discipline: professional indemnity at the level your contracts demand, equipment cover for instruments and survey kit, and employers’ liability as the team grows. One policy, one renewal, adjusted as the consultancy changes.
Two signposts. If your engineering is software, networks or systems rather than the physical world, our IT consultants insurance page covers that ground specifically, including the contractor and IR35 world. And if you sell advice across disciplines rather than practise one, this page sits inside our wider public liability insurance for consultants range, which covers the consulting side in its own right.
From £55* a year for the base policy, with professional indemnity the main variable: the level of cover your contracts require, the value of the projects your work feeds into, and your claims history set the price. Insurance for engineers is priced on consequences rather than headcount, so a one-person structural consultancy advising on £2 million builds pays for the £2 million, not the one person. No broker required: quote online and the price is itemised in about five minutes, with monthly instalments available.
Every calculation you sign is relied on by someone who never met you. Get an engineer insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and let the policy carry the long memory of engineering liability so you don’t have to.
With 35+ years covering UK SMEs, you can trust us to fully protect your engineering consultancy. Our key advantages are:
£54.88 / year £36.95 / month £409.92 / year The above quote examples were taken from our online system on 10/11/25 and include insurance premium tax but exclude our £10 admin charge. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.
Most insurance policies will be subject to an excess. This is the amount you will be expected to pay in the event of a claim. Detailed below are the standard excesses under a Professional Saver policy but you should check your own quotation to see exactly what excesses apply to your policy as these may vary dependent upon the type of work you do.
| Insurance cover | Excess |
|---|---|
| Public Liability | £250 |
| Products Liability | £250 |
| Employers Liability | No Excess |
| Financial Loss | 10% of claim value(£2,500 minimum) |
| Professional Indemnity | £250 |
| Business Contents & Equipment | £100 |
| Legal Expenses | No Excess |
* Total number of live policies as of 31/10/2025
From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year Not by statute, but professional bodies and client contracts make it unavoidable in practice: institution membership schemes expect it, and tenders name minimum levels. The practical question isn’t whether to hold PI insurance but how much, and your biggest contract usually answers that.
Yes, and it’s the half engineers forget. Desk work creates PI risk; site visits create public liability risk, from injured escorts to damaged equipment. Both covers live in the same policy here, so the gap never opens.
Yes; agency and end-client contracts for engineering contractors routinely specify both PI and public liability, and the policy maps to those clauses. Match the limits to the contract, download the certificate the same day, and the paperwork side of the placement is done.
The best claim is the one that never starts, and the policy helps there too: legal expenses cover is included as standard, giving access to legal advice when a dispute is brewing rather than after it lands. Insurance and risk management work better as one conversation, which is also how our quote process treats them.
