Mechanical & Electrical (M&E) Civil Engineering Insurance

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Specialist insurance for M&E contractors working on civil engineering and infrastructure projects

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We arrange cover for M&E contractors with leading UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE FOR MECHANICAL & ELECTRICAL CIVIL ENGINEERING WORKS

Why M&E Contractors Need Specialist Cover

Mechanical and electrical contractors operating within civil engineering projects face heightened risk, including complex installations, system failure, design responsibility and interface with critical infrastructure. Specialist insurance ensures compliance and protection.

Key Covers for M&E Civil Engineering Firms

Insurance structured around mechanical and electrical risk exposures.


  • Contractors’ All Risks / Contract Works
  • Public & Employers’ Liability
  • Professional Indemnity (design & specification)
  • Plant, Tools & Installation Equipment
  • Testing & Commissioning Cover
  • Defective Work & Rectification Costs

Who Is This Insurance For?


  • Mechanical & electrical civil engineering contractors
  • HVAC, power & energy infrastructure specialists
  • Water, utilities & pumping station contractors
  • Rail, highways & transport M&E firms
  • Design & build M&E contractors
  • Framework & public-sector M&E contractors

Why Choose Insure24?


  • Experience with complex M&E civil engineering risks
  • Access to specialist construction & engineering markets
  • Support with PQQs, tenders & framework requirements
  • Advice on PI limits and testing & commissioning exposure
  • UK-based claims and technical support

FREQUENTLY ASKED QUESTIONS

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Do M&E contractors need professional indemnity insurance?

Yes. Professional indemnity is commonly required where M&E contractors undertake design, specification, system integration or commissioning work.

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Is testing and commissioning covered?

Testing and commissioning can be covered under contract works and professional indemnity policies, subject to correct policy structure and declared activities.

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