• Product Liability – Claims for injury or property damage arising from defective sensors, devices, enclosures, wiring or assemblies.
• Professional Indemnity (Design & Specification) – Allegations of negligence in design, specification, drawings, calibration advice, or performance representation.
• Public Liability – Site visits, demonstrations, commissioning, service work, or installation activities at customer premises.
• Employers’ Liability – UK legal requirement for staff in assembly, soldering, test, calibration, packing and dispatch.
• Product Recall / Rectification – Costs to trace, isolate, repair or replace affected batches and manage customer communications.
• Property, Stock & Contents – Cover for components, PCBs, connectors, housings, sensors, finished stock and tools.
• Business Interruption – Loss of gross profit after insured events (e.g., fire, flood) plus extra expenses to keep trading.
• Goods in Transit – Damage/loss in transit to customers, integrators or distributors (UK and worldwide options).

Many sensor claims are not dramatic “bang” events; they are gradual. A temperature probe that drifts by a few degrees can ruin production batches. A pressure transmitter that reads low can cause process instability. A flow meter that reads high can mask a leak. Insurers will want to know how you: calibrate, verify, label, store calibration certificates, and handle re-calibration intervals.

• Calibration traceability (e.g., UKAS/NIST traceable where relevant)
• Incoming inspection and batch control for critical components
• Environmental controls (humidity/temperature) during test and calibration
• Data retention for calibration results and serial number traceability

Products containing power supplies, heating elements, batteries, or high-current terminals raise fire and overheating exposures. Claims may involve damaged property, business interruption at the customer site, and allegations of inadequate design safeguards.

• Short circuits, insulation failure or incorrect polarity
• Battery thermal runaway (where applicable)
• Ingress protection failures (IP ratings) leading to corrosion or arcing
• Incorrect installation instructions or warnings

• Product types (e.g., temperature, pressure, vibration, flow, proximity, level, torque, gas detection, lab instrumentation)
• Typical application sectors (manufacturing, utilities, food, pharma, automotive, rail, marine, aerospace, oil & gas)
• Are products safety-critical? Any SIL-rated or used in safety instrumented systems?
• Do you provide installation, commissioning, or on-site service?
• Turnover split: UK vs export; OEM/direct; service vs manufacture
• Largest single contract / batch values and typical project sizes

• Any contractual penalties / liquidated damages exposures?
• Any warranty periods beyond standard? (e.g., 3–5 years)
• Do you accept “fitness for purpose” clauses?
• Do you cap liability in your terms and conditions?
• Any customers requiring specific limits (e.g., £5m / £10m product liability)?

If your devices connect via Ethernet, Wi-Fi, cellular, LoRaWAN, BLE or proprietary protocols, customers may require assurances around security. Cyber insurance can support response costs if a vulnerability is exploited, and can align with contractual requirements.

• Firmware updates and vulnerability management
• Secure provisioning and credentials handling
• Remote access controls and supplier management
• Incident response and notification costs (where applicable)

• UKCA / CE considerations – product documentation, technical file controls, change management.
• EMC / Electrical safety – interference, susceptibility, and safe operation in intended environments.
• ATEX / hazardous area use – where devices are designed or sold into explosive atmospheres.
• Functional safety / SIL – if used in safety instrumented systems (depending on your sector).
• Medical / life sciences – where devices are used in regulated environments (documentation and QC are key).
• Calibration traceability – robust certificate control and retention processes.

A batch of temperature probes leaves the factory with calibration drift outside tolerance. A food manufacturer relies on the readings and later finds the process was outside specification. The claim includes scrapped goods, investigation costs, and allegations that your datasheet tolerances were not met.

• Potential response: product liability (if damage/injury), product recall/rectification, defence costs
• Risk controls: calibration traceability, final test records, batch retention samples

A customer claims your product was sold as suitable for a high-vibration environment, but the application exceeds the stated limits. A dispute arises about datasheet wording and sales representations.

• Potential response: professional indemnity (design/spec advice), legal defence costs
• Risk controls: clear datasheets, application checks, written sign-offs for non-standard uses

• Specialist placement – We know what underwriters ask for in precision manufacturing and electronics.
• Contract-aware advice – Help aligning cover with key customer terms, warranty demands and liability caps.
• Claims support – Clear guidance if a field issue arises, including notifications and evidence capture.
• Fast quotations – Efficient submissions, with realistic timescales for underwriter review.
• Scalable cover – Suitable for micro-manufacturers through to multi-site operations and export-heavy businesses.

• 1. Enquire – Call 0330 127 2333 or submit the online form.
• 2. Risk review – We confirm products, turnover split, export territories and design activity.
• 3. Underwriter presentation – We highlight your QA, calibration and traceability controls.
• 4. Quote & options – We explain limits, exclusions, and any key warranties.
• 5. Bind cover – Get documentation issued and remain compliant with customer requirements.

• Defence costs and damages for product liability claims
• Design/specification risk cover (where applicable)
• Recall/rectification support after batch issues
• Protection for stock, tools, equipment and premises
• Business interruption cover to keep cashflow stable after a major incident