Insurance for Building Services Engineers

What Insurance do Building Services Engineers need?

Working as a Building Services Engineer means you require a range of insurance covers, designed specifically to protect your business from a range of potential risks. You will have responsibility for ensuring that the electrical, mechanical, telecoms and others systems within buildings work effectively and efficiently. Typical duties include designing, inspecting, maintaining and testing energy, air conditioning, lifts, drainage and other systems.

Getting the right insurance in place is an essential security blanket that considers the dynamic nature of your profession, where you engage in various tasks, all of which expose them to a range of potential liabilities:

• Assembly process
• Control systems
• Mechanical system installation & maintenance
• Electrical system installation & maintenance
• Water management
• Regulatory compliance
• Sustainability
• Cover for design elements
• Installation of modern technology

All of these aspects of your work expose you to a range of potential liabilities that should be reflected in your insurance policy.

Tailored correctly, a building services engineers insurance policy can provide financial protection against the implications of accidents, damage, theft, professional negligence, legal liabilities, and other unforeseen circumstances that may affect your business operations or your professional reputation.

What is Typically Included in a Building Services Engineers Insurance Policy?

Our Building Services Engineers Insurance specialists can design a policy customised to suit the specific protection needs of an individual professional or Company operating in this sector. Key components typically include:

Product and Public Liability:

Covers legal liabilities should a third party suffer injury or property damage because of your business activities. For a building services engineer, its particularly important to consider cover that extends beyond project completion. In addition, you may wish to take advice regarding ‘Part Product’ cover extension. At BJP we have access to specialist insurers who can offer this.

Professional Indemnity:

Protects you from claims arising from professional negligence or error which can lead to substantial financial loss or damage to your client.

Employer’s Liability:

Mandatory if you have employees, this covers you against claims from workers for injury or disease arising from their employment.

Contract Works:

Protects your construction works, temporary or permanent, where the contract places the responsibility upon you.

Tools and Equipment Cover:

Provides coverage for loss or damage to your tools and equipment.

Commercial Property Insurance:

Covers damage to premises and contents due to a range of events including fires, floods, or vandalism.

Remember the components of your policy can be adjusted to cater to your unique needs, and extra covers can be added as your business evolves. It’s really important to think about a ‘worse case scenario’.

Why Choose BJP Insurance Brokers Ltd to Buy a Policy?

At BJP Insurance Brokers, our priority is always our client – you. With years of experience and in-depth knowledge of the construction sector as a whole, and building services engineering businesses within it, we understand that your industry exposes you to unique risks. Thus, we offer bespoke insurance solutions crafted to your specific needs by our friendly and knowledgeable team.

We’re here to provide you with personalized advice, ensuring you understand all aspects of your insurance policy, truly making us your trusted insurance advisors. We are renowned for our professional integrity and commitment, so you can rest assured that your best interests are at the heart of what we do.

We leverage our long-standing relationships with a large network of insurers, allowing us to negotiate competitive premiums without compromising on the extent of coverage. Our proactive claims management approach means we are by your side, supporting you when you most need us.

In choosing BJP Insurance Brokers, you’re not just buying a policy; you’re entering a partnership with a leading insurance broker, one that is dedicated to understanding and protecting your business. We are more than an insurance provider; we are your advocates, here to ensure your peace of mind, allowing you to focus on what matters most − running your business.

Allow us to show you how we can bring value to your business. Contact us today to discuss your Building Services Engineers Insurance needs.