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What Is Engineering Inspection Insurance?

Engineering inspections of plant and machinery is essential to ensure the safety of employees and the general public and help meet the statutory requirements for workplaces in the UK.

Inspection insurance will cover certain types of plant and machinery for such as sudden and unforeseen damages.  These will also include breakdown of electrical plant, lifting equipment and explosion of pressurised plant. Additional covers are also available in respect of surrounding property, storage tanks and goods lifted.

The identification of which plant requires inspection cover can sometimes be difficult.  To help comply with legislation, Allianz Insurance have put together an Engineering and Inspection Guide to assist:

Please click here to download a copy.

Engineering Inspection At A Glance

  • Are you aware of your duty to periodically inspect equipment?
  • Non-inspections could leave you vulnerable to regulatory action or criminal prosecution
  • Engineering inspection contracts could also generate wider business benefits

Complying With The Law

Various health and safety laws exist to make sure that plant equipment and machinery will not cause injury to workers or members of the public. Collectively, this complex body of regulatory bodies and laws covers all types of working equipment.

As per the Allianz guide (as above), it could be an electrical socket, passenger lift or mobile crane requiring cover. Businesses whether large or small items will be effected in some way and many of these will have a requirement of an engineering inspection contract.

If these laws are not complied with, this could attract large fines, and in the most serious of cases, negligence could lead to the imprisonment of those responsible, and/or company directors.

It is therefore necessary that the appropriate directors and proprietors of companies are aware of their duties regarding inspections, and making sure that the appropriate action is taken.

Key legislations

  • LOLER – Lifting Operations and Lifting Equipment Regulations
  • COSHH – Control of Substances Hazardous to Health Regulations
  • PUWER – Provision and Use of Work Equipment Regulations
  • HASAWA – Health and Safety at Work Act
  • EAWR – Electricity at Work Regulations
  • PSSR – Pressure Systems Safety Regulations

Defending Against Prosecution & Claims

Accidents happen, even with the most rigorous regimes in operation and all laws adhered to.

In the unfortunate situation where someone is injured or even loses their life, it is possible that this could result in some form of personal injury claim or even a criminal prosecution made against the company and its directors personally.

The Corporate Manslaughter act has been force since 2008 and the the Crown Prosecution Service now bring a large number of cases to trial each year.  It is now more important than ever to ensure that companies have their health and safety risks properly managed, to ensure that all laws are adhered to, and that you have done what you can to ensure the safety of the workers and public.

Improve Efficiency & Plant Longevity

Engineering Inspection identifies potential defects early which can subsequently help machinery to operate more efficiently, and in turn ensuring they not only last longer but also use less energy.

Environmental impact is becoming a key measure in recent times, which more people asking how they can reduce their impact, and becoming proud of their status and offsetting the carbon footprint.

Well-managed and regularly inspected plant and equipment can help towards achieving that goal.

Avoiding Expensive Downtime

As above, engineering inspection contracts is not solely about complying with law, it also adds a huge benefit to a business’s operations.

Equipment can unexpectedly fail, and when it does, companies can be faced with a potentially large and expensive period of downtime whilst it is repaired or replaced, as well as the costs of hiring in temporary equipment.

These inspections can identify potential issues prior to them occurring to equipment, giving the opportunity to plan maintenance at a time that is convenient.

Further Information & Quotations

If you require any more information about Engineering Inspection cover, or require a quotation for you and your business, please contact us on 01159303030 and a member of our team will be happy to help.

We also have very competitive rates for plant and special types insurance, so please feel free to call us to discuss.

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