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Machinery Repair And Maintenance Insurance
Machinery repair and maintenance insurance is designed for engineers, service contractors and repair businesses working on industrial machinery, production equipment, workshop plant, mechanical systems and specialist equipment at customer premises or in their own workshop.
The right cover should reflect the machinery types serviced, whether work includes fault finding, repairs, planned maintenance, emergency call-outs, testing, recommissioning, replacement parts, hot works, lifting operations or subcontracted engineering support.
What Can Machinery Repair And Maintenance Insurance Cover?
- Public liability insurance for injury or third-party property damage claims
- Employers' liability insurance for employees, apprentices and labour-only subcontractors
- Products liability for supplied parts, components or repaired equipment
- Tools, diagnostic equipment, own plant, hired-in plant, stock, parts and goods in transit
- Professional indemnity, contract works, commercial vehicle, legal expenses and business interruption where required
Typical Machinery Repair And Maintenance Risks
- Damage to client machinery, production lines, floors, services or surrounding equipment
- Injury involving moving parts, isolation failures, lifting equipment, hot works or work at height
- Allegations of faulty workmanship, failed repairs, poor servicing or inadequate maintenance advice
- Theft or damage to tools, spares, diagnostic devices and service equipment from vehicles or sites
- Losses linked to production downtime, emergency call-outs, warranty disputes or contract requirements
Related Manufacturing and Engineering Cover
Machinery repair and maintenance firms may also want to compare manufacturing insurance, engineering manufacturing insurance, machinery installation insurance, machinery movement insurance and machinery dealing insurance.
Machinery Repair and Maintenance Insurance: cover review points
Machinery businesses need cover that follows equipment values, lifting or installation methods, transit, customer goods and the consequences of a machinery failure or project delay.
The quote should make clear whether the business sells, installs, moves, repairs or maintains machinery, because each activity creates a different liability and property exposure.
Insurance areas to compare
- Public liability, employers liability, plant, tools and goods in transit
- Contract works, installation risk, lifting, movement, testing and commissioning
- Customer machinery in custody, hired-in plant, storage and workshop premises
- Method statements, lifting plans, maintenance records and subcontractor controls
Information that helps insurers quote
Before requesting terms, prepare a short explanation of the business model, turnover or fees, staff numbers, locations, contract requirements, prior claims and the highest-value assets or liabilities involved.
It also helps to list any risk controls already in place, such as training, inspections, maintenance records, security protections, written procedures, professional qualifications or supplier checks.