Engineering Insurance

Our flexible engineering insurance solutions aim to meet the specific business needs of you and your clients.  This is backed up by dedicated claims and customer service teams and a high standard of professional advice. 

We will insure both small and large risks, from computer installations and high tech electronic equipment through to plant, machinery and construction risks.  Our underwriters will consider a wide range of risks.  We also offer additional options to cover possible contingencies.

With our knowledge of different classes and sectors, we can deliver across-the-board packages covering not only engineering but also integrating property, casualty, liability and motor

Risk groupings fall into three categories:

Machinery and Engineering
Computers and Electronics
Contract Works

Machinery and Engineering

– All Machinery Insurance is a blanket SUD cover in respect of installed machinery and plant
– Flexible Engineering Policy offers specified item SUD Insurance (or more limited cover) and inspection
– Deterioration of Stock (DOS) covers foodstuffs or other stock in cold stores, deep freezers and chillers for rise or fall in temperature following a breakdown or failure of supply
– Engineering Business Interruption can be written alongside AMI or FLX policies for either Loss of Profits or Revenue against SUD, breakdown or accidental failure or public supplies.

Computers and Electronics

– Computer Equipment offers 'All Risks' cover in respect of the hardware and the data records. Standard extensions include Reinstatement of data (ROD) and Increased Cost of Working (ICOW). Residual Breakdown and Virus covers available as extensions. Increased Loss of Profit and Loss of Revenue.
– Electronic Risks offers 'All Risks' cover in respect of medical equipment, music and recording equipment.

Contract Works

– Contractors Plantis and 'All Risks' policy in respect of specified or blanket Owned Plant and blanket Hired in Plant.
– Erection all Risks is an 'All Risks' policy in respect of Erection and Installation of Machinery, Extensions available for Construction Plant and Employees Tools, can include Testing and Commissioning.
– Machinery Movement. This policy protects machinery being dismantled, relocated, temporarily stored, erected assembled and loaded anywhere in the UK or Ireland. The 'All Risks' cover includes loss or damage from fire, storm, handling, extraneous damage, theft and criminal acts. A wide range of policy options includes cover for all types of plant or for specific items and for annual machinery movements or specific one-off movements. This includes dismantling, loading, transit, unloading and assembly. Te-sitting within the same premises is also covered.
– Advanced Loss of Profits Insurance is available to clients who have a Royal & SunAlliance Contract Works Insurance policy. This provides insurance protection against loss of earnings and profits. It covers loss of earnings incurred where a business in prevented from completing a construction or erection contract due to delays caused by damage to property and machinery.