Cover that travels
with your business,
site to site.
Mechanical and electrical, machinery, and specialist engineering trades. Bespoke schedules for tools, machinery in transit, and hired-in cover. Built around how you actually work.
Your tools, your machinery,
your liability on site.
M&E businesses and engineering operations don’t fit a standard commercial policy. Your tools and machinery move. What you own and what you hire in changes job to job. And your liability as an engineer doesn’t stop at practical completion — it follows the system you installed.
We put together a programme around what you own, what you hire in, and the full scope of your work. No standard package. A schedule built around how you run.
Eight questions
we’re asked every week.
Plain-English answers. If yours isn’t here, call us on 01455 244630 and we’ll talk it through directly.
Under standard CPA terms, you take on responsibility for the plant from the moment it is delivered. Hired-in plant cover addresses that liability. If you are regularly hiring in plant, it is worth making sure you have the right cover in place rather than relying on the hirer's own insurance, which will not protect you.
It depends on the policy and how it is structured. Tool cover with overnight in-vehicle conditions is available but usually requires evidence of forced entry and may have limits on individual items. We will make sure the schedule reflects what you actually own and where it is kept.
Yes. Commissioning and testing introduces liability that is distinct from the installation works themselves. If a system is commissioned incorrectly and causes damage or injury after handover, the question of where liability sits can be complex. We make sure the policy wording addresses your full scope of work, including testing and commissioning, not just the physical installation.
Yes. We can schedule owned machinery and hired-in machinery together under one programme so you are not managing separate policies. We make sure the basis of settlement is correct for each, as owned and hired-in machinery are typically treated differently at claims stage.
When you hire equipment to others, your liability as the owner relates to the condition of the equipment at the point of hire. What the hirer does with it is generally their liability.
Plant and equipment cover can be arranged on an all risks basis for owned items. The key is making sure the schedule accurately reflects replacement values, as underinsurance is common on specialist equipment that has appreciated in value or been upgraded over time. We will make sure the schedule is right at the outset and review it at renewal.
UK-wide cover is standard on a properly structured policy. If any of your work takes you outside Great Britain, including Northern Ireland or the Republic of Ireland, that needs to be declared as it may affect your EL and PL cover.
Plant all risks covers the plant itself as your asset, so damage to or loss of the machine. Public liability covers damage or injury to third parties caused by the plant or its operation. They are separate classes and both are usually needed if you own or operate plant.