Professional Indemnity Insurance for Design & Construction
If You Design It, You’re Liable for It.
Whether you’re a design & build contractor, architect, engineer, or building services consultant, if you provide design, specification, advice, or technical drawings—you could be held legally liable for costly design errors.
One small miscalculation could lead to six-figure losses, lawsuits, and serious reputational damage. That’s why Professional Indemnity Insurance (PII) isn’t just smart—it’s essential.
What Is Professional Indemnity Insurance?
Professional Indemnity Insurance protects you when a client claims your design, drawings, advice, or specification caused financial loss. Even if the claim is unfounded, the legal costs alone can be devastating.
Common claims include:
- Design defects or structural miscalculations
- Incorrect product or material specification
- Delays due to poor coordination or planning
- Breaches of planning regulations or building codes
- Inadequate technical advice or failure to comply with contract terms
Who Needs Construction PI Insurance?
Our policies are tailored for:
- Design & Construct Contractors
- Architects & Architectural Technicians
- Structural & Civil Engineers
- M&E Designers & Consultants
- Building Surveyors & Contract Administrators
- Project Managers & Interior Designers
- Retrofit Coordinators (PAS 2035)
- Facade, Cladding, and External Envelope Designers
- Specialist Subcontractors with design responsibility
If you design it—even if subcontracted—you can be sued for it. We help you protect your business.
What Does Our PI Insurance Cover?
| Covered Area | What It Means |
| Negligence | Design errors, omissions, or professional mistakes causing financial loss |
| Defence Costs | Legal expenses—even if you’ve done nothing wrong |
| Civil Liability | Covers breach of contract, defamation, IP infringement, and more |
| Mitigation Costs | Pays for proactive fixes before a claim escalates |
| Loss of Documents | Replaces lost or damaged drawings, plans, reports |
| Collateral Warranties | Optional cover for liability under agreements with funders, developers, etc. |
Why D&C Contractors Face Higher Risk
In a design & build (D&C) contract, you’re not just building—you’re responsible for the design too, whether done in-house or outsourced.
If a subcontracted designer gets it wrong, you’re still liable to the client. That’s why a combined D&C Professional Indemnity policy is essential for main contractors.
Real Claims We’ve Handled
- Cladding Failure: Faulty U-value calculations led to condensation issues. PI covered investigation, legal defence, and settlement.
- Fire Compartmentation Error: A building surveyor missed compliance issues. The client claimed for breach of duty—covered under PI.
- M&E Oversight: A designer under-specced an air handling unit, causing project delays and tenant loss-of-use claims. PI covered rectification.
Why Choose Qudos Insurance Brokers
- Construction PI Specialists We understand JCT contracts, D&B appointments, and real-world project risk.
- Contract & Warranty Review Support Need help reviewing a client contract or third-party warranty? We’ve got your back.
- Flexible Cover Options Any one claim or aggregate basis, with retroactive cover and run-off available.
- A-Rated Insurers We only place cover with top-rated construction underwriters.
- Fast, Reliable Service Same-day turnaround for most professions and projects.
Get Expert Construction PI Cover Today
Protect your business from design risk, legal claims, and costly disputes.
Speak to a construction PI specialist now.