Professional Indemnity Insurance for Electrical Engineers

A claim made against you could come as a shock. Professional Indemnity Insurance provides cover and reassurance that you won’t be left to foot the bill yourself.

Why choose Hensure for PI insurance


Personal Service

Our business is not a call centre, but instead provides a personal service and dedicated team to assist with your queries.


Experienced Team

Our team has a wealth of experience and knowledge to help you and your business get the most appropriate cover for your needs.


Online System

Our full 24/7 quote and buy facility allows you to run a personalised quotation, at a time that suits you and your business.

Why professional indemnity insurance for Electrical Engineers should be considered.

As an Electrical Engineer, you may design, develop, test or manage the manufacturing of electrical equipment and systems. Typically, engineers provide a service that comes with an expectation of a certain level of professionalism and specialist knowledge.

Unfortunately, regardless of how much experience your firm may have there is always the possibility you (or one of your team) could make a mistake.

Generally, the limit of indemnity that you require under your policy is for you to decide, based upon your own assessment of the exposure that you face in your business.

It is worth bearing in mind that the costs involved in defending Professional Indemnity claims can be astronomical, so this needs to be taken into account. It may also be that your client insists on you buying a certain level of cover as part of the tendering process so the decision may be taken out of your hands to some extent.

Professional indemnity insurance for Electrical Engineers should be a priority in most instances – for further information and advice, please contact us today.

Professional indemnity insurance for Electrical Engineers. PI cover.

  • Company Size – this is the gross annual income of the company & the number of partners/directors/employees.
  • Qualifications and experience – as with all professions, insurers will want to see a CV that shows how an engineer is suitably qualified and/or experienced to carry out the work undertaken on behalf of their client.
  • Type of work carried out – underwriters will be particularly interested in finding out if the engineer is involved in any high-risk exposures, such as work on safety critical systems/ work on bridges/ mines/ tunnels/ underpinning or piling contracts as an example.
    • Electrical engineers – Electrical engineers design new products, write performance requirements and develop maintenance schedules. They also test equipment, solve operating problems and estimate the time and cost of projects. This is seen as a moderately low risk discipline by Professional Indemnity underwriters.
  • Contract sizes – there is a direct relationship between the size and complexity of the job and the exposure.
  • Claims experience – a poor claims experience is often a reflection of the quality of the company’s work, experience, staff & internal risk management. The premium for such a risk is likely to be heavily loaded by an underwriter when considering terms for such a risk.
  • Retroactive exposure – does the business have an exposure to claims arising from past work, whether in the current business or a previous company.
  • Overseas exposure – does the practice carry out work for overseas clients.

A typical Professional Indemnity insurance policy for Electrical Engineers will normally cover the following areas:

  • Civil Liability
  • Negligent act, error or omission
  • Unintentional intellectual property rights infringement (other than patents)
  • Unintentional breach of confidentiality
  • Unintentional defamation
  • Fraud & dishonesty
  • Loss of third-party documents or data
  • Computer virus transmission
  • Negligence of Sub-Contractors
  • Collateral warranties (limited to 2 assignments)
  • Adjudications under the Housing Grants Construction & Regeneration Act
  • Irrecoverable fees
  • Bodily injury or property damage arising from breach of professional duty
  • Defence costs
  • Court attendance costs
  • Breach of health & safety legislation

Your policy coverage may vary between insurer.

Professional Indemnity

  • Professional Indemnity provides cover for claims that arise as a result of the work you have completed or advice you have given.

Public Liability

  • Public Liability provides cover should members of the public receive an injury or property damage due to your work. This protects your business should a compensation claim be made, also covering any legal costs that result from this.

Employers’ Liability

  • Employers’ Liability provides cover for compensation claims and associated legal costs, arising from employee injury or work-related illness.

Cyber Insurance

  • Cyber Insurance provides support in the event of cyber-crime and unintentional data breaches, offering cover against the cost of revenue and fines.

Directors and Officers

  • Directors and Officers insurance policies protect you financially against any claims that are made against you personally in your position as a director, partner or officer of your business.

Legal expenses insurance

  • If you were involved in a legal battle, knowing that any money you spend on legal bills would be reimbursed could make all the difference. Legal expenses insurance does just that. It ensures that your business remains financially stable after a legal case by helping to compensate the business for incurred costs.


Contact us to find out more about the right cover for your business.

Contacted Hensure regarding Public Liability and PI insurance. So glad I did! Rhian was so professional, friendly, and helpful. Definitely recommend anyone to contact them first.

Jackie Skeer, Skeer Building Consultancy Ltd

PI insurance – Everything you need to know

Professional Indemnity Insurance covers legal expenses incurred in defending a claim against you, even if the claim is false. It will also cover the compensation awarded, should they win their case, and the cost of any losses that they incurred as a result of your negligence.

If your business ceases operations, there is still a chance that a claim could be made against you in the future. PI Insurance can provide run-off cover to ensure that these claims are still covered and you are still protected.

You can buy short-term PI Insurance cover, but it comes with a significant risk that must be considered.

Professional Indemnity Insurance works on a claims made basis, meaning that the insurance policy that you hold at the time the claim is made is responsible for the claims and any associated costs. If you cancel the policy after your contract has ended, and a client then makes a claim against you after this time, you do not have any insurance to cover this and will be solely liable.

You must hold insurance at both the time the incident occurs, and the time that the claim is made, to be protected.

Ready to get covered?

Fill out a quick form and you're on your way to getting effective business insurance.

Get a quote online

Prefer to talk to us?

We're happy to talk to you to answer any query you may have.

Our opening hours are Mon-Fri 9am - 5pm.

Request a call back

How we’re protecting our clients

Professional indemnity insurance for Asbestos surveyors, PI insurance cover.
Helping a property manager avoid a major premium hike.
professional indemnity insurance for building project managers, PI Insurance.
Significant savings for new groundworks company.
Providing niche cover for a new specialist company.

R K Henshall & Co Ltd, The Grove, Mill Lane, Wheelock, Sandbach, Cheshire CW11 4RD.

Copyright © Hensure | Hensure Business Insurance Consultants is a trading name of RK Henshall & Co Ltd. RK Henshall & Co Ltd are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Company Secretary: A.Brown FCCA. Written quotations, policy terms, conditions and exclusions are available on request. Privacy policy, Cookie policy, Terms, Complaints Procedure, Consumer Duty Statement

Call us today on
01270 758056