As an engineer you’re used to designing bespoke solutions. Using our knowledge of the risks your industry faces, Hiscox has designed a professional indemnity insurance policy for engineers, which is tailored to the needs of your profession.
We also understand that small business owners face many risks that can pose a threat to their security where the correct insurance cover isn’t in place. That’s why we offer a range of insurance policies that can be chosen to create the perfect tailored package.
Hiscox engineers professional indemnity insurance
Our professional indemnity insurance policy can help protect your business against the cost of settling or defending a client’s claim that there is a problem with the work you have done for them. This could be where a client alleges you have given incorrect advice or made a mistake that is expensive to fix.
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Public liability insurance
With our public liability insurance, engineers can rest assured that they’re protected should they face claims for compensation from a member of the public due to bodily injury or property damage. For example, if someone were to trip and fall while on your business premises, we’d cover the compensation you’d need to pay and your defence costs up to the limit of your policy.
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Employers’ liability insurance
If you employ one or more members of staff, it’s probable that you’ll be legally required to be covered by an employers’ liability insurance policy. Ours is designed to offer cover for the compensation and legal fees you may have to pay if a claim is brought against you by an employee for injury or disease arising from the work they do for you. For example, they may sue you with the claim that they injured themself as a result of a slip, trip or fall in your office.
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Our office contents policy could form a vital part of your engineering insurance if you run a home or office-based small business. It’s designed to cover the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as:
- portable equipment – cover for equipment outside of the office, such as laptops and phones
- business interruption – cover for the financial losses that result from being unable to trade due to an unexpected interruption
- equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment.
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Cyber and data risks insurance
Our cyber and data risks insurance supports and protects businesses if they experience a data breach or are the subject of an attack by a malicious hacker that affects their computer systems. It provides comprehensive cover, simplicity, reputation protection and a trusted partner in the event of a claim.
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Personal accident insurance
When it comes to insuring a business, many people forget about what they’d do if they or a key member of their staff were unable to work due to an accidental bodily injury. The loss of income or resource caused by this could be catastrophic, so it’s wise to ensure you’ve got the right cover in place. Hiscox personal accident insurance can help protect against the financial impact of this by paying to the business either a lump sum or a weekly amount.
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