Engineering Insurance

For over 13 years, John Morgan Partnership has been providing comprehensive engineering insurance for clients who require expert, trustworthy advice and reliable policies that cover them for potential risks.

It is important for all businesses to be protected by insurance policies in the event of equipment breakdowns, business disruption, damage to machinery and stock deterioration; and our friendly team of experienced professionals can advise and recommend the insurance that your business needs.

What is engineering insurance?

Engineering insurance is protection cover that will insure all the electrical equipment and machinery you use in your business.

John Morgan Partnership offers a variety of engineering insurance policies that fall broadly into four main categories: Inspection, Breakdown, Movement and Erection All risks. Find out more below.

If you want to know more about these policies, please contact our expert team on 01242 898387.


Businesses have a requirement to protect all employees, customers and members of the public. Maintaining a high level of health and safety protocols, including engineering inspections, can help to reduce the risk of death and injuries.

Whether your business is in the commercial, agricultural, construction, retail or industrial sectors, ensuring that your equipment is in safe working order is not only important but is also a mandatory requirement in order to comply with health and safety legislation.

JMP’s independent Engineering Inspection cover helps to identify problems early on, enabling you to plan remedial work and reduce the chance of unplanned machinery downtime. It also covers you for equipment replacement and a range of consequential losses such as temporary machine hire and professional fees incurred.


Protecting your business against unforeseen machinery breakdown and unexpected costs can give you peace of mind that company downtime can be mitigated or reduced, and deadlines can still be met.

If your business relies on the use of specialist equipment or machinery, breakdown coverage can enable you to resume operations quickly and allow you to continue to serve your customers.

JMP’s policies can also be extended to cover any damage caused to surrounding items, the business interruption you may have as a result of waiting for replacement parts and/or machinery, as well as the financial impact of not being able to trade as a direct result of the incident.

Machinery Movement

Whether you are moving machinery during a construction project or if you need to move machinery to multiple locations, a robust insurance policy is essential. In transit, machinery can be vulnerable to theft, fire and damage during loading and unloading that can cause significant disruption to a project if they occur.

Haulage contractors and manufacturers that move and re-site machinery regularly are at particular risk and should get cover either for one-off moves or on an annual basis.

Machinery movement cover from JMP covers you for dismantling, loading, unloading, transit and erection.

To discuss your requirements further, contact our team who will be able to advise you accordingly.

Erection All Risks (EAR)

EAR insurance protection covers loss or damage that occurs during the installation of machinery onsite, in a factory or in an office. These policies are designed to provide protection against any loss arising out of the erection and installation of machinery and are often required for one off projects with annual cover also available for contractors.

JMP’s EAR policy also covers liability to third parties and health damage incurred by third parties in connection with construction or erection. Policies can be extended to include protection for any start-up delay costs.

For any advice on protecting your machinery contact our expert team on 01242 898387.

What does an Engineering Insurance policy cover?

Depending on how you run your business will determine what covers you require. Here at JMP we will work with you to understand your needs and build a bespoke policy for your business.

Some of the covers you need to consider for your engineering company are:

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