Professional Indemnity Insurance Quotes for Engineers
Specialist cover for civil, structural, mechanical, electrical, and process engineers – with fast quotes and access to leading A-rated insurers.
If your renewal is approaching, send us your current terms and we’ll review them and provide a competitive alternative.
If your renewal isn’t due yet, simply send us your renewal date and we’ll be in touch closer to the time.
Ready for a review?
Request a quote, call our office on 01732 252 898, or email your current policy details and renewal date to info@clarkewilliams.co.uk – we’ll take care of the rest. We’re happy to work from other insurers’ proposal forms or provide one of our own.
Why Engineers choose Clarke Williams?
We are an award-winning, independent insurance broker specialising in Professional Indemnity Insurance for engineers and technical professionals. Our UK-based team provides a responsive, personal service — no call centres, just experienced brokers who understand your industry.
We work with a panel of leading insurers to secure competitive terms, with cover limits from £100,000 to £10 million and above. Our approach is tailored to your specific activities, ensuring your policy reflects the real risks within your business.
We can arrange bespoke cover to include specialist extensions such as fire safety, basements, swimming pools, and other complex project exposures. We also support clients with contract reviews to help identify potential insurance gaps before they become an issue.
As an engineer, your work is relied upon by clients, contractors, and stakeholders. Even a small error or omission can lead to significant financial loss — making the right Professional Indemnity cover essential.
Why do Engineers need Professional Indemnity Insurance?
Whichever engineering discipline you specialise in, the potential for making a mistake is always there. Unfortunately, we live in a blame culture. Professional indemnity Insurance covers a business for the cost of defending against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you.
Many companies are now making Professional Indemnity Insurance a compulsory condition of their tendering process, and will not hire any engineer or consultant that does not have a Professional Indemnity policy in place.
Comprehensive Cover to Protect Your Engineering Business
We provide tailored professional indemnity insurance with cover limits ranging from £100,000 to £10 million, giving your business the protection it needs. Our policies include access to a wide range of optional extensions, designed to safeguard your work, reputation, and assets.
Key Cover Options Include:
- Negligence or breach of duty of care – making a mistake in your work or giving bad advice
- Disputes caused by your breach of a duty of care referred under the Housing Grants Construction and Regeneration Act 1996
- Optional Extensions for basements, swimming pools and fire safety cover
- Loss of Documents
- Criminal defence costs relating to a regulation or statute which applies to your business, such as the CDM regulations
- Infringement of intellectual property rights – for example using content from a website or publication without permission
- Breach of confidence – sharing confidential or sensitive information without consent
- Negligent misstatement or misrepresentation – making a mistake or error when providing information
- Collateral warranty review services
- Mitigation Cover – costs incurred in remediating or mitigating a loss or potential loss that may otherwise result in a claim subject to specific requirements.
- Pollution Cover – claims arising out of the actual, alleged or threatened, sudden or accidental presence, discharge, dispersal, release, migration or escape of Pollutants other than asbestos, nuclear or radioactive material of any sort.
- Joint Ventures Cover – covers you against liability arising out of your professional services in respect of any joint venture, provided that you have previously declared to us all fees/turnover received from any joint venture subject to specific requirements
- Fraud & Dishonesty Cover
- Court Attendance Costs Cover
Concerned about rising premiums?
Many engineers are seeing increases at renewal. Read our guide on why PI insurance costs are rising for engineers.
Need a quick review of your current cover?
Send your renewal or policy details to info@clarkewilliams.co.uk or call 01732 252 898 – our team will review and revert with options.
Further Reading
If you’re reviewing your Professional Indemnity Insurance, the following guides may be useful:
- Why Professional Indemnity Insurance for Engineers is Becoming More Expensive
- Fire Safety PI Insurance – Why 21 December 2018 Changed Everything
- How the Building Safety Act Relates to Insurance
- Understanding Collateral Warranties in Insurance
Frequently Asked Questions – Engineers Insurance
1. Can you offer fire safety cover for engineers?
Yes, we provide quotations that include inner limits for fire safety and combustibility cover, tailored for engineers involved in high-rise fire safety projects. This ensures your business is protected when working on sensitive or complex developments.
2. Are basements and swimming pool works covered?
Yes. While insurers may initially impose restrictions, we often negotiate inner limits for clients, subject to additional project details. This allows you to operate confidently in specialist areas like basements and swimming pools.
3. Can you cover overseas or offshore activities?
Absolutely. We can arrange cover for engineering work carried out internationally or offshore. In most cases, we’ll ask for a proposal form to ensure your policy reflects the full scope of your activities.
4. Can you assist with liability insurance as well?
Yes. Liability cover can be added to your existing policy or arranged as a separate policy to suit your specific requirements. This ensures comprehensive protection for both professional and operational risks.
5. Is it possible to pay the policy premium monthly?
Yes. Some insurers offer interest-free direct debit or reduced-interest payment options. If these are not available, we can provide our own finance facility to make monthly payments simple and manageable.
6. Can specialist equipment be covered?
Yes. Worldwide or all-risks coverage is available for any specialist instruments, measuring devices, or equipment you use in your engineering work. This helps protect valuable tools and instruments wherever your projects take you.
7. Are high-risk locations covered?
Yes. We can arrange cover for engineers working in high-risk environments such as heavy industrial, military, nuclear, or offshore sites. We’ll need details of your activities and any critical systems involved, but we often negotiate coverage tailored to your specific projects.
Not sure what else you need? The below guide should help.
Employers’ Liability Insurance is a legal requirement for all employers within the UK. The minimum required limit is £5,000,000 although most insurers give £10,000,000 as standard. The policy is designed to protect employees’ who sustain an injury or illness during their normal business activities by providing compensation.
Buildings & Contents Insurance. Cover your computers, equipment and other workplace property such as business records against fire, flood, theft and more so you can have peace of mind that you’re protected against the unexpected.
Business interruption Insurance. We can help you get back to work after a crisis. Business Interruption can insure you against lost business income and any additional expenditure that you might have incurred following a loss.
Call 01732 252 898 or email us today for a comprehensive insurance policy at a competitive price.
If you have already completed a proposal form, please feel free to send a copy to info@clarkewilliams.co.uk
Alternatively if you renewal is not due yet, register with us now so that we can contact you nearer the time.
Register your renewal date
Our account managers will arrange Professional Indemnity and Liability policies at a competitive price with comprehensive wordings which are acceptable to your clients or Professional Body.
Have confidence that Clarke Williams can help your business. Here are a few of trades we have helped provide Professional Indemnity Insurance for:
CAD/CAE Engineers
Building Services Engineers
Draughtsman
Project Managers
Test Engineers
Land Surveyors
Building Engineers
Mechanical Engineers
Construction Engineers
Electrical Engineers
Structural Engineers
Civil Engineers
Commissioning Engineers
Ventilation Engineers
Control Engineers
Field Engineers
Soil Engineers
Health & Safety Engineers
Transport Engineers
Aviation Engineers
Refrigeration Engineers
Process Engineers
Professional Bodies and Trade Associations
Professional bodies often provide guidelines on what levels of Insurance cover a company should hold.
Below is a list of some of main engineering bodies within the UK, it may be useful to consult with them if you do not know your requirements.
Chartered Institution of Building Services Engineers (CIBSE)
Chartered Institution of Highways & Transportation (CIHT)
Chartered Institute of Plumbing and Heating Engineering (CIPHE)
Chartered Institution of Water and Environmental Management (CIWEM)
Institution of Agricultural Engineers (IAgrE)
Institution of Civil Engineers (ICE)
Institution of Chemical Engineers (IChemE)
Institute of Cast Metals Engineers (ICME)
Institution of Engineering Designers (IED)
Institution of Engineering and Technology (IET)
Institution of Fire Engineers (IFE)
Institution of Gas Engineers and Managers (IGEM)
Institute of Highway Engineers (IHE)
Institute of Healthcare Engineering and Estate Management (IHEEM)
Institution of Lighting Professionals (ILP)
Institute of Marine Engineering, Science & Technology (IMarEST)
Institution of Mechanical Engineers (IMechE)
Institute of Measurement and Control (InstMC)
Institution of Royal Engineers (InstRE)
Institute of Acoustics (IOA)
Institute of Physics and Engineering in Medicine (IPEM)
Institution of Railway Signal Engineers (IRSE)
Institution of Structural Engineers (IStructE)
Institute of Water Nuclear Institute (NI)
Royal Aeronautical Society (RAeS)
Royal Institution of Naval Architects (RINA)
Society of Environmental Engineers (SEE)
The Society of Operations Engineers (SOE)
The Welding Institute (TWI)
Want to speak to one of our specialists?
Telephone: 01732 252898
or email us.
Know the risks.
How do insurers calculate an Engineers Professional Indemnity Insurance premium?
When looking at an engineer’s business, there are a number of factors that can affect the terms provided.
The fee income is an important rating factor when an underwriter is considering an insurance premium, as it is the one element that all companies can be judged on.
Project sizes
The size and complexity of past and present contracts are taken into consideration. The insurers proposal form will ask you for details of the work in which you are involved in. Small office projects can be considered lower risk, as opposed to large industrial complexes or manufacturing plants where you may be providing structural or mechanical designs.
Overseas Contracts
Does the business carry out work for overseas clients? Specialist engineers often find that their services are required on the other side of world, especially in developing countries where there can be a skills shortage. The legal requirements in other countries can also be very different to the UK, with countries such as US and Canada being more litigious, as a result this can affect the premium being offered.
Number of years trading and experience
Newly established businesses can be seen as an increased risk to insurers as there is a lack of trading history to confirm a good claims experience or ability within the organisation. When presenting a risk to an insurer, it can be beneficial if a copy of the director’s CV’s are provided, as this can present a better picture of the business or person being insured.
Activities Undertaken
Activities and sectors will have their own rating of risk, and insurers will be interested in the types of projects and discipline’s in which the engineer is involved in. For instance,an electrical or HVAC engineer working on low rise property, office or shops will be considered very low risk, compared to a process engineer working in a water processing plant or a structural engineer undertaking designs for super basements in London. The reason for these different ratings is due to risk and size of the potential claim.
"It will never happen to me". Still not convinced? Have a look at the below claims examples for Engineers: We hope it will never happen, but here are some claims examples from the real world.
Inaccurate specification for an electricity supply to a site, led to the need for alterations and a temporary generator so that work could continue.
Amount paid: £56,000.
Structural Engineers
A claim was brought alleging negligence in an extension of a private property. It was alleged that the structural calculations were not adequate following the collapse of a ceiling.
Amount paid: £45,000 plus costs.
Heating, Ventilating Engineers
The client alleged negligence in the design of a heating and ventilating system for a clean room which was not fit for purpose. Rectification costs were paid as well as payments for consequential losses following its loss of use at the manufacturing plant.
Amount paid: £560,000 plus costs.
Mechanical Engineers
The design of a machine at a bottling plant proved inadequate to cope with the weight of items being produced.
Amount paid: £860,000 plus costs
Allegation of Non-Compliant Designs
The insured designed the lighting for a factory unit. The client alleged that the lighting was inadequate and did not comply with relevant BSI regulations. The insurer successfully defended the claim on the client’s behalf with £25,000 of legal defence costs paid by the insurer.