Engineering and Machinery Insurance

Smarter protection for the machines behind your business.

Engineering and Machinery Insurance from Sona Insurance helps UK businesses protect critical equipment, plant, and mechanical systems — from inspection and breakdown to accidental damage and business interruption. We tailor each policy to fit the machinery you rely on, so you can keep operations running smoothly and safely.

What is Engineering and Machinery Insurance?

Smarter protection. Built around your business.

Engineering and Machinery Insurance is a specialist policy that covers plant, machinery, and mechanical equipment against unexpected damage, breakdown or failure. It’s often used in manufacturing, construction, facilities management and commercial property settings where machines are central to operations. This type of insurance can include statutory inspections, sudden breakdown cover, explosion and collapse, and loss of income due to machinery failure.

Why businesses need more than just standard cover

Most general property or business insurance policies don’t provide adequate cover for machinery and plant. That creates real risk, especially when breakdown or failure could halt production or compromise safety.

Without dedicated engineering and machinery insurance, businesses may face:

No cover for sudden mechanical or electrical breakdown
Exclusion of explosion, collapse or operator error
Missed inspection schedules: leading to regulatory breache
Delays and cost overruns: if damaged machinery halts operations
No income protection: in the event of machinery-related downtime

This is where tailored engineering cover adds real value.

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How Sona Insurance protects your plant and equipment

At Sona Insurance, we take time to understand how your business uses machinery — whether it’s fixed plant, production line equipment, lifts, HVAC systems, or construction tools. We’ll match you with insurers that offer the right technical cover and inspection services, ensuring you meet legal requirements, minimise disruption, and recover quickly if things go wrong.

What’s typically covered?

Your Engineering and Machinery Insurance policy can include:

Sudden and unforeseen mechanical or electrical breakdown
Explosion and collapse of pressure systems
Accidental damage during use or maintenance
Loss of income caused by machinery failure
Statutory inspection and certification services
Cover for fixed plant, portable tools, HVAC, lifts, compressors, boilers and more

We’ll tailor cover to your industry, risk profile, and the specific machinery or systems you operate.

Get a Tailored Quote

Why choose Sona Insurance?

Specialist engineering and machinery insurance: tailored for your operations
Full protection for breakdown, damage and loss of income
Statutory inspections included where needed
Support for manufacturers, property owners, construction, FM and more
Independent advice: access to a wide market of technical insurers
Broker-led support: clear advice and help with claims when needed

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Keep your business running — even when machinery fails

We don’t believe in one-size-fits-all quotes. Speaking to Sona Insurance means you get expert advice, tailored protection, and personal support — not just a price on a screen.

Call us today on 01206 694904 to discuss your engineering and machinery insurance needs.

Get a Tailored Quote