Engineering consultants' insurance

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Professional indemnity insurance for engineering consultants
Professional indemnity insurance for engineering consultants
Professional indemnity insurance for engineering consultants
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What is engineering consultant insurance?

Engineering consultant insurance isn’t a single product. Consultants usually mix several products to meet the needs of their engineering consulting business.

Considering the advisory nature of the work, professional indemnity insurance is the first cover engineering consultants should consider. Public liability may be required if you regularly meet clients face-to-face. Commercial legal expenses can help with various tax and legal issues. You may need electronic business equipment insurance if you rely on expensive computer gear for your work.

How much does engineering consultant insurance cost?

Starting at £8.89 per month, professional indemnity insurance for engineering consultants varies based on field, required limits, and business size.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do engineering consultants need insurance?

Contract compliance

Contract terms may require you to hold professional indemnity or public liability insurance to take the job.

Accusations of errors, omissions, or negligence

Engineering consultants provide expertise in a specific field. Clients will often have some elementary grasp of the discipline, but overall, they rely on you for their desired outcome. Not meeting these expectations can lead to disappointment, disputes and compensation claims.

Unpaid invoices and contract disputes

Engineering consultants are required to design a solution to their clients' challenges. No matter how well defined the responsibilities and obligations in the contract, a client still may claim that you failed to deliver. Unfortunately, withheld payments often follow an alleged contract breach.

Causing property damage or injury

Engineering consultants often visit sites filled with people and valuable property. Face-to-face work sometimes leads to injury or property damage. If you’re involved, you could be held liable.

Claims of causing financial loss

If your client feels that your work has hindered their business or project, they may attempt to recover their financial losses by bringing legal action against you.

Professional indemnity insurance for engineering consultants

Working as an engineering consultant involves the risk of legal claims of wrongdoing. Professional indemnity insurance protects engineering consultants from accusations of professional mistakes, negligence, poor advice and other claims against you or your business.

Help from professional indemnity insurance can be sought immediately after an allegation is made against you by your client. A legal team will review the claim and advise on the next steps, and if the situation escalates to legal action and compensation, your insurance will be there for those costs.

What does engineering consultant professional indemnity insurance cover?

Professional indemnity insurance protects engineering consultants from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example:

  • a lawsuit accusing you of an error, 
  • losing sensitive data, sharing confidential information with an authorised party, 
  • making the wrong recommendation or causing property damage. 

Is professional indemnity insurance mandatory for consulting engineers?

The law does not require consulting engineers to have professional indemnity insurance. However, your contract with your client or industry regulatory body may insist on some level of this cover.

What professional indemnity limit do engineering consultants need?

You should consider several factors when deciding on a professional indemnity limit.

Factors to keep in mind:

  • Does your contract specify professional indemnity up to a specific limit?
  • Does your contract state you agree to be liable for damages up to a certain amount (e.g. £1,000,000)?
  • What is the total value of your client contracts over the last few years?
  • What costs might you be exposed to if your work goes wrong?
  • How will your work be used, and who is the end consumer? 
  • What might it cost your client if you can’t deliver on time?
  • Do you play a senior role in the delivery of work?

Generally, the more complex your engineering consulting work, the higher the limit you will need.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your engineering consultant insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I close or pause my engineering consultancy business?

It’s wise to keep your professional indemnity if you close your engineering consultancy. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of work you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for engineering consultants

Public liability insurance shields engineering consultants from claims of injuries or property damage.

If you have any kind of face-to-face contact with your clients and the public during your business, then there is a risk of third-party injury or property damage. Something as small as spilling your flat white over a client’s laptop can set you back a few thousand pounds.

The trigger for response under public liability insurance is either an injury, death or property damage caused accidentally by you during your business activities.

The word accidental is essential. We are talking about accidental slips and falls, a knocked-over piece of expensive equipment, or accidentally causing an injury by distracting someone from their work.

For example, a construction site project manager demanding a worker’s attention just at the wrong time as they’re using a dangerous tool can lead to the worker’s injury. The blame would be apportioned to the project manager, who’d be expected to pay for the medical bills and possibly compensation.

What does engineering consultant public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A client visits your premises and is injured in a slip or fall 
  • You visit a client site, trip over a lead or pipe and inadvertently set into motion a series of events leading to property damage

Other insurance engineering consultants buy

The insurance needs of an engineering consultant vary depending on your circumstances. Can you handle a legal dispute financially? Is expensive computer equipment integral to your income? What would happen to your business if you became ill and couldn't cover operating costs?

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect engineering consultants against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist engineering consultants in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You are facing an investigation from a professional body
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Electronic business equipment insurance

Engineering consultants rely on electronic equipment to deliver their services more than ever. If your business depends on electronic equipment, consider electronic business equipment insurance.

Income protection insurance

Income protection insurance covers your earnings if you become so ill you cannot continue to work.

Engineering consultants we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of engineering consultants, including:

  • Agricultural engineering consultants
  • Building services engineering consultants
  • Electrical engineering consultants
  • Electronics and telecom engineering consultants
  • Environmental engineering consultants
  • Fire and safety engineering consultants
  • Manufacturing engineering consultants
  • Mechanical engineering consultants
  • Soil and geotechnical engineering consultants
  • and more..

Shopping for engineering consultant insurance

Whether or not you decide to use Suited engineering consultant insurance to protect your business, it’s worth keeping the following in mind:

Cheap engineering consultant insurance

Don't just look at the price when choosing your engineering consultant insurance. Ensure your provider is reliable. Suited offers fast responses and various communication options for your peace of mind.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

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FAQs

Common questions

What is the right business insurance for engineering consultants?

Business insurance for engineering consultants should consist of covers that protect you and your business against legal claims arising from your professional liability.

What is professional liability insurance for engineering consultants?

The key cover in the UK for engineering consultants is professional indemnity insurance which safeguards you from claims of wrongdoing. Sometimes public liability may be needed as well if you’re physically in contact with the staff and property of your clients or members of the public.

Can PI insurance for consulting engineers cover past work?

A retroactive cover can be added to your PI insurance. Usually you can add a date as far as 6 years back. A retroactive cover can be offered only if there are no accusations or claims against at the time of arranging the insurance.

Where can I buy business insurance for self employed engineer consultants in the UK?

Certain disciplines which are less risky allow purchase of insurance for engineering consultants online. Others require more details and as such a specialty insurance broker might be a better route.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Professional liability insurance for engineering consultants
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Include retroactive cover to insure previous work.

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If you call to cancel within the first 2 weeks we’ll give you a full refund.

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* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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