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However you choose, whether in person or at the end of a phone, our Agents will be there for you when you need them most.
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Cover overview
We aim to help minimise your exposure to the things that can affect the smooth running of your business. Our Engineering cover provides protection for things such as accidental damage or breakdown of machinery. It can also cover the deterioration of stock caused by damage to freezers or chiller units, or failure of the public power supply. We can also offer inspections of plant by our engineering partner Vulcan Inspection Services to help you manage business risk and comply with regulatory and health and safety obligations.
What can be covered:
- Engineering Insurance - Accidental damage or breakdown of machinery and plant. Including reasonable expenses to make temporary repairs or minimise interruption to your business, up to £10,000.
- Inspection - Plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
- Deterioration of stock - Deterioration caused by temperature changes due to failure or damage of the refrigeration systems and accidental failure or emergency removal of public electricity, gas or water supplies.
What's not covered:
- Engineering Insurance - Cutters, bits, moulds, dies, heating elements, driving belts, chains or cables requiring periodic replacement, unless plant is damaged at the same time.
- Inspections - Damage to plant caused by its inability to withstand testing as part of the inspection.
- Deterioration of stock - Deterioration due to a deliberate act or neglect, faulty packaging or storage, or incorrect setting of thermostats.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
