Insurance costs will also depend on how many engineers you have, the scope of works that you do and the risk. Many firms under insure simply because they use a broker who genrally deals in general insurance and does not have any specialist knowledge. You will only find this out when you have to claim.

Also many insurers make a lot of special conditions when it comes to using heat(gas soldering irons) on site and ladders, these conditions are not usually very clear, but again can prove costly when it all goes wrong.

If you have two or more employees then you are looking at a minimum of

Spoke to BIB earlier this week and they were very helpful and knowledgable. Good level of cover inculding efficiancy for a very competitive price insured with AXA. Will probably go with them.