If you are a Kent engineering company and you own a workshop or a warehouse, you need an engineers insurance policy tailored to your individual requirements.
It is important to make sure that you have the right cover at a competitive premium.
The best way to do this is to speak to a local independent business insurance broker who understands your business and the issues you need to deal with and can advise you which types of insurance cover you need. Look for an insurance broker that specialises in business insurance and offers a personal service. They will usually get you several quotes from different insurance companies and then recommend the product that best fits your requirements.
The types of insurance you might consider include:
- Buildings Insurance
- Public Liability Insurance
- Employers Liability Insurance
- Products Liability Insurance
- Property Insurance
- Stock Insurance
- Equipment Insurance (for own and hired-in plant)
- Money Insurance
- Business Interruption Insurance
- Goods In Transit Insurance
- Personal Accident Insurance
- Engineering Insurance
- Commercial Vehicle Insurance
- Commercial Legal Expenses Insurance
- Directors and Officers Insurance
Some types of insurance, such as third party motor insurance and employers liability, if you employ anyone, are a legal requirement. Also if you have engineering plant, such as forklifts or air receivers, these must be inspected on a regular basis and this service is usually included within an insurance policy – an engineer from the insurance company inspects your plant and issues the necessary documentation.
Other types of insurance are not legally required but may be essential to protect your business. A professional business insurance broker will be able to advise you accordingly and help you decide what manufacturers insurance you need.
Here at Breathe we have many years of experience in arranging engineers insurance, as well as other classes of insurance that an engineering company may require.
We offer a personal service and like to work closely with our clients in the engineering industry, to make sure they get a good deal on their business insurance and that any gaps in cover are identified and put right.