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Engineering Contractor

Engineering Contractor Insurance

What is an Engineering Contractor?

An Engineering Contractor is a professional who provides a variety of engineering functions to a client on a contract basis excluding those working in the energy sector, for example, CAD Engineers, Draughtsmen and Telecommunications Engineers.

What Insurance Does An Engineering Contractor Need?

Professional Indemnity Insurance

Understanding and mitigating risk is a core part of most engineering roles. So it is no surprise that many engineering contractors choose professional indemnity contractor insurance cover. Without PI insurance, your limited company would be liable for legal costs and compensation if one of your clients sued you for negligence.

Although contractor insurance is not mandatory for registration with the Engineering Council, many engineering contracts require you to have a minimum level of contractor insurance cover before you can take on the role. If this is the case, securing the right level of contractor insurance cover can be completed conveniently and swiftly over the phone or online.

Public & Employers Liability Insurance

Most contractors will be required to hold this insurance as you are always at some risk of causing damage to third party property or injury/death to a third party. The exact type of contractor insurance cover you can purchase, the exclusions and premiums will depend on your area of engineering and projects. If you are an office-based CAD technician requiring cover of only £1m, then your premium and exclusions in your policy documentation will reflect the relatively lower risk you face.
If, however, you are an energy contractor spending time offshore, your premiums will reflect this.

Please see Offshore Contractor if this applies to you.

Engineering contractors can typically work anywhere in the world, so it is important you update your contractor insurance provider if you’re planning to work abroad. For example, contracting in North America is likely to require an additional contractor insurance premium, because of the sometimes litigious nature of engineering clients in the region.

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