Engineering firms: the cover gaps hiding in most engineering policies.
Book a free 15-minute call with a senior Thornhill broker. We'll walk through your current cover together, flag where you're under-insured, over-paying, or carrying clauses that would void your claim (including PI, contract works and tools cover), and tell you straight whether we'd do anything differently. No charge. No follow-up sales pitch.
- 15-minute call with a senior broker, not a call-centre script-reader
- We flag the gaps in your existing policy and tell you straight
- No follow-up sales pitch. Stay with your current broker if you like.
Request my free policy review
Takes 60 seconds. A senior broker calls you back within 2 working days.
Six places where most engineering policies quietly fail.
A proper review is more than reading premiums. Here's exactly what we look for when we read your schedule line by line, and what each gap actually costs when a claim happens.
Public & products liability set too low for your contracts
PL and products limits often sit at industry default rather than what your tendered contracts actually require. We re-set them against the work you really take on, including sub-contractor exposure.
Plant, tools and equipment off-premises capped or excluded
Specialist plant, hired-in equipment and tools left on site are often capped too low or excluded altogether in standard engineering policies. We tell you where the cap bites.
Contract works cover that does not match the contracts you sign
Whether contract works cover, JCT contract wording, retention periods and faulty workmanship clauses actually match the projects you tender for. The most common claim-killer we find.
Professional indemnity at the wrong limit or wrong trigger
Critical for any engineering firm that gives advice, prepares designs or signs off work. We check both the limit and the cover trigger, claims-made versus losses-occurring, before a problem emerges.
Employers' liability set to the statutory minimum
The legal floor is £5m. For most engineering operations that is nowhere near enough. We tell you whether £10m or higher is justified for your headcount and risk profile.
Insurers who cannot or will not write your type of engineering risk
Where your current insurer sits in the engineering market, claims-handling record, and whether one of our Lloyd's syndicates would write you more competitively.
Three steps. No jargon. No follow-up sales call.
The whole point of the review is to give you a clear, honest second opinion from a senior broker, in 15 minutes, on your terms.
Today: request your review
Fill in the form below. Your current policy schedule and recent claims history are useful but not essential. We confirm receipt by email within 4 working hours.
Within 2 working days: a senior broker calls
At a time that suits you. We benchmark your cover, pricing and exclusions against the wider UK market, including our Lloyd's syndicates.
15 minutes: you get an honest second opinion
Plain English. What's right, what's missing, what we'd change and why. If you want us to take it further, you ask us. If not, that's the end of it.
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Independent, FCA-regulated, and writing UK commercial risks for more than 40 years from our office at 334 Huddersfield Road, Mirfield, West Yorkshire.
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What people ask before requesting a report.
Is this actually free? What's the catch?
Yes, genuinely free. There's no catch. Independent brokers like us earn commission from insurers when a client decides to move to us, so the review itself costs you nothing. We offer it because, in our experience, most factories who book a review end up moving to us afterwards. But only when the review proves we can genuinely improve on their current cover or price. If we can't, we tell you straight and you keep your existing setup.
Will you try to switch me to your services on the call?
No follow-up sales pitch. On the call, the broker walks you through your current cover, flags any gaps and tells you straight what we'd do differently. If you want us to take it further, you ask us. If not, that's the end of it. We do not chase, badger, or sign you up to a newsletter.
How long does the review call take?
Around 15 minutes for most factories. Complex multi-site or specialist manufacturing operations can run longer if you want to dig in. We book in a time that suits you and we don't run over without permission.
What do I need to have ready for the call?
Ideally your current policy schedule to hand (the document that lists your cover and premiums). If you have recent claims history or your policy wording document, those make the conversation sharper. If you don't have any of that, no problem, we can still have a useful conversation about your operation.
What if my renewal isn't for months?
Even better. The most valuable reviews happen 30 to 60 days before renewal, while there's still time to negotiate properly. Don't wait until the final week to find out what's missing.
What if I'm happy with my current broker?
Then keep them. The review is yours regardless. Several of our clients have used the insights from a review as a negotiating tool with their existing broker to secure better terms or fix a gap their broker had missed. That's fine with us.
Are you actually FCA regulated?
Yes. Brian Thornhill & Son Insurance Brokers Ltd, FCA Firm Reference Number 684402. You can verify us on the FCA register at register.fca.org.uk. Independent and family-run since 1982.
What makes Thornhill different from comparison sites or online brokers?
Independent ownership (no ties to any insurer), 60+ UK insurance partners, direct Lloyd's of London access for the harder risks online brokers can't write, and a named broker on every account at renewal and at claim. Family-run since 1982. We answer the phone.
Find the gaps in your cover before a claim does.
15 minutes with a senior broker. We flag what's missing and tell you straight. No follow-up sales pitch.