Building Surveying Insurance UK

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Insurance for building surveyors and surveying practices where surveys, reports, defect advice, site inspections, specifications, client reliance and professional indemnity requirements need to be handled carefully.

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Who Building Surveying Insurance Is For

Typical buyers

  • Building surveyors producing condition surveys, defect reports, schedules and professional advice.
  • Chartered surveyors, surveying practices, sole traders and limited companies working for property owners or developers.
  • Consultants advising on maintenance, refurbishment, dilapidations, party walls, specifications or project monitoring.
  • Businesses needing evidence of professional indemnity, public liability and employers' liability for appointments.

What cover can include

  • Professional indemnity for negligent survey, report, specification, recommendation or advice allegations.
  • Public liability for injury or third-party property damage during inspections or client meetings.
  • Employers' liability where staff, trainees or assistants are employed.
  • Office contents, laptops, cameras, survey equipment, cyber, legal expenses and management liability where required.

Building Surveying Risk Areas

Report Reliance

Clients may rely on survey findings, defect advice, condition comments and recommendations when making expensive decisions.

Inspection Access

Inspections can involve occupied buildings, active sites, roofs, voids, ladders, communal areas and third-party property.

Professional Terms

Appointments can specify PI limits, retroactive cover, collateral warranties, run-off periods and wording conditions.

Information Insurers Usually Need

Surveying profile

  • Services provided, including building surveys, defect reports, specifications, schedules or project advice.
  • Annual turnover, largest contract, client types and whether work is domestic, commercial or public-sector.
  • Whether valuation, structural advice, party wall work, project management or expert witness work is included.
  • Qualifications, accreditations, standard terms, subcontractor use and previous claims history.

Cover requirements

  • Professional indemnity limit and whether cover must be any-one-claim or aggregate.
  • Retroactive date, historic work, completed projects and run-off expectations.
  • Public liability limit needed for site visits, client premises and inspections.
  • Survey equipment, laptops, cyber, office, legal expenses and employers' liability requirements.

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