Engineering cover is a relative new extension to some landlord’s policies and is offered to policyholders as an optional extra. It is not uncommon for landlords with a property portfolio to let out flats or apartments where access is obtained via lifts for instance. In this scenario if the lift were to break down, the landlord may be obligated to fix the lift as this is a condition of the tenancy.

Fortunately, those landlord insurance polices which offer this type of cover will protect against breakdown arising from mechanical or electrical defects of equipment applicable to lifts and ventilating equipment. In addition to this there maybe cover for supplementary expenses, clearing up any debris and hire equipment to continue operations.

As with any type of insurance, exclusions and monetary apply, therefore, such equipment must be adequately maintained and serviced. In some cases the insurance company may recommend the use of their own inspection service.