Professional Indemnity Insurance for the Construction Industry
Find professional indemnity insurance for builders, construction firms and other construction professionals with Meadow Broking.
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Guard against claims with professional indemnity insurance for construction contractors
You may be a small building firm with mainly local clients or a nationally recognised construction company. Whoever you are, you should protect yourself against possible losses resulting from legal claims against you for negligence, error or omission. Protection is offered through a type of construction business insurance known as professional indemnity insurance (PI Insurance).
You can protect your business by ensuring that the PI insurance you buy is entirely suitable for the work you do. However, it can sometimes be tricky to understand exactly what you need. How much cover you need for example or whether you need any additional types of insurance.
Talking with Meadow Broking is the easy way to confidently buy professional indemnity insurance for the construction industry. From knowing what you should protect to helping to keep your design and construction professional indemnity insurance cost down, the Meadow Broking team has years of experience supporting construction professionals like you. Our expertise means we can often help when others have struggled. We offer a personal, professional service to make your life easier.
How it works
Whether it’s your first attempt at finding UK professional indemnity insurance for construction professionals or you’ve almost given up trying, let Meadow Broking help. The process is simple and personal.
Who we help
At Meadow Broking we help many different professionals working in and around construction. Main contractors and subcontractors may have different requirements from their insurance, which we will ensure are met. Our team also helps source construction project management professional indemnity insurance for professionals who need it.
Need advice? Call 0118 315 0866 to speak to us.
Lines Open: Monday-Friday: 8am – 6.30pm
Professional Indemnity Insurance For The Construction Industry FAQs
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What is professional indemnity insurance for construction?
What types of construction workers need PI insurance?
What does construction professional indemnity insurance cover?
Is professional indemnity insurance a legal requirement for construction businesses?
How much professional indemnity insurance do I need as a UK constructor or builder?
Does my PI insurance for construction cover me for work with overseas clients?
What if I need public liability and professional indemnity insurance?
What is professional indemnity insurance for construction?
However hard you work, mistakes can happen. Construction professional indemnity insurance protects you against claims resulting from allegations of errors or omissions in your work. It also protects against claims of negligence.
What types of construction workers need PI insurance?
Professional indemnity insurance is a necessary form of insurance for anyone who produces designs, or offers advice or instructions. As it also covers your customer’s financial loss as a result of faults related to builds and maintenance, it is vital that all construction professionals and construction companies hold some form of construction PI insurance.
What does construction professional indemnity insurance cover?
The construction industry is a large sector with a wide range of professionals working in it. This diversity is reflected in the range of possible scenarios that could be subject to claims, and subsequently would benefit from the protection of professional indemnity insurance. Design and construction professional indemnity insurance, for example, would protect construction contractors against claims resulting from mistakes made in designs. Construction PI insurance can also help main contractors cover the costs of remedial works, legal expenses etc in disputes with sub-contractors.
Regardless of sector there are some general circumstances that professional indemnity insurance covers. These include:
- Breach of contract, if you fail to deliver services as agreed in the client contract.
- Error, omission, misstatement or misrepresentation, if you provide incorrect advice or leave out key information.
- Data breach or breach of confidentiality, if you share sensitive information without permission.
- Defamation, if you make libellous statements about a client.
- Breach of copyright, if you infringe copyrights, intellectual property or trademarks.
- Loss or damage to documents, if documents are damaged or lost while in your possession.
What Our Clients Say
Is professional indemnity insurance a legal requirement for construction businesses?
If you belong to a professional body they may insist on or highly recommend professional indemnity insurance. Those covering construction professionals include the Institution of Civil Engineers and the Royal Institution of Chartered Surveyors. You should check with your own professional body what insurance they demand. However, construction company insurance, such as PI insurance, is frequently a contract requirement, particularly with public bodies. Even without any legal obligation, professional indemnity insurance should be in place to protect you and your company.
How much professional indemnity insurance do I need as a UK constructor or builder?
For some professional bodies there is a mandated minimum level of cover as a condition of membership. Again, you should check with your own professional body if applicable. Regardless of this it is important that you have sufficient cover for the risks you may face. Meadow Broking will support you by looking at your business and the type of work you do and making sure that the policies we recommend offer enough cover for you. We look at factors such as the size of your business and any contractual requirements.
Does my PI insurance for construction cover me for work with overseas clients?
One of the things to consider when looking for the best professional indemnity insurance for construction contractors is whether cover is needed for clients outside the UK. At Meadow Broking we can access policies that cover you both for work physically taking place overseas and for work that must be subject to contract law outside the UK. These geographical and jurisdiction limits can be set within policies, and we are happy to advise you.
Meadow Broking have expertise in supporting construction companies that trade with or have customers in the USA, including Additional Insured cover, Waiver of Subrogation conditions and contract negotiations.
Need advice? Call 0118 315 0866 to speak to us.
Lines Open: Monday-Friday: 8am – 6.30pm
What if I need public liability and professional indemnity insurance?
If your work puts you in contact with the general public, then you will probably need to think about getting public liability insurance. As experts in finding business insurance for builders, construction companies and other construction professionals, we can find you combined policies that keep you fully covered.
Build a policy that works with Meadow Broking
However complicated your circumstances, Meadow Broking will provide you with recommendations for professional indemnity policies that fit the bill. If you aren’t sure what your liabilities may be or how much cover you need, speak to us today for a simple, bespoke service every time.
