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PROFESSIONAL INDEMNITY FOR DESIGNERS & CONTRACTORS
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DESIGN ERRORS
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PROFESSIONAL NEGLIGENCE
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SPECIFICATION & ADVICE
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CONTRACTUAL REQUIREMENTS
Protect Your Design, Advice & Professional Reputation
If a client alleges that your design, drawings or professional advice caused them financial loss, Professional Indemnity insurance helps cover legal defence costs and compensation. Essential for construction professionals taking responsibility for design or specification.
What Does Professional Indemnity Insurance Cover?
PI insurance covers claims arising from your professional services, advice or design work.
- Allegations of professional negligence
- Errors or omissions in drawings or plans
- Incorrect specifications or calculations
- Failure to meet a professional duty of care
- Breach of professional contract conditions
- Legal defence costs & expert fees
- Compensation & damages awarded to clients
- Defective design leading to remedial works
- Claims made under collateral warranties
- Past work (subject to retroactive date)
Who Needs PI Insurance in Construction?
Any construction professional who offers design, advice or specification should consider PI cover.
- Architects & Architectural Technicians
- Structural & Civil Engineers
- Design & Build Contractors
- M&E / Building Services Engineers
- Surveyors & Project Managers
- Interior Designers & Space Planners
- Specialist Contractors with design input
- Cladding & façade designers
- Fire safety & compliance consultants
- Any contractor signing off designs
Why Designers & Contractors Choose Insure24
- Access to specialist construction PI markets
- Cover tailored to contractual requirements (JCT, NEC etc.)
- Limits aligned with employer or main contractor demands
- Options for any one claim or aggregate cover
- Retroactive cover for past projects (where available)
- Support with proposal forms & risk presentations
- Help understanding exclusions & inner limits
- Guidance on run-off cover after ceasing trading
- Dedicated claims assistance if a dispute arises
- Competitive terms for small, medium & larger firms
FREQUENTLY ASKED QUESTIONS
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What is Professional Indemnity insurance?
Professional Indemnity (PI) insurance covers claims made against you for
financial loss caused by your professional advice, design, specification
or other professional services.
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Is PI insurance compulsory?
For some regulated professions (like architects and engineers),
PI cover is mandatory. For others, it is often required by clients,
main contractors or contract terms (JCT, NEC etc.).
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What limit of indemnity do I need?
Limits vary by project size, role and contractual requirement.
Many clients specify minimum PI limits in appointment documents,
often per claim or in the aggregate. We can help you decide.
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Does PI cover me for work I’ve done in the past?
PI policies are written on a claims-made basis. Provided the work is
within your retroactive date and the policy is in force when the claim
is made, past work can be covered.
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What happens if I retire or close my business?
You may need run-off PI cover to protect against future claims arising
from past work. We can arrange appropriate run-off periods based on
your contracts and risk profile.
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What is Professional Indemnity insurance?
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Is PI insurance compulsory?
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What limit of indemnity do I need?
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Does PI cover me for work I’ve done in the past?
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What happens if I retire or close my business?
Related Covers
This construction PI guide works best when it also connects back into the wider business insurance journey around cost, comparison and deciding what cover structure your construction business needs. Use these pages to move from design and specification risk into the main commercial page.
Core Business Insurance Pages
Core Product Links
Related Commercial Paths
Related Covers
PI pages should connect design, advice and contractual obligations back to the wider construction cover set. These links keep design-risk visitors focused on the right construction cover mix.