Professional Indemnity
Professional Indemnity Insurance protects professionals who provide advice, design, or consultancy services against claims of negligence, errors, or omissions in their work.
It covers legal defence costs and any compensation awarded if a client suffers financial loss due to the professional’s mistake or breach of duty. Commonly used by architects, engineers, and consultants, this cover is essential where expert knowledge or judgment is relied upon.
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What is covered?
Claims arising from negligent advice, design or a breach of professional duty
Covers legal costs and damages if a client suffers financial loss due to your error or omission.
What is NOT covered?
No physical construction is covered.
Known Claims or Circumstances
– Any claim or issue known before the policy started is excluded.
Deliberate Acts or Fraud
– Intentional wrongdoing, dishonesty, or criminal acts by the insured or employees.
Who Needs This Cover
Qualified professionals and specialists involved in construction, design, and technical services, including:
Professional Roles: Architects, Engineers, Project Managers, Construction Managers, and Specialist Consultants or Inspectors appointed by or working under a qualified discipline.
Specialist Trades & Services: Landscaping, Security, Burglar Alarms, Electrical, Plumbing, Cladding, Glazing, Specialist Finishes, Communications Tech, Lifts/Escalators, Fire Protection, Flooring, Structural Steel, Formwork, Roofing, Painting, Refrigeration, HVAC, Solar, Water & Sewerage, Road Marking, Bituminous Surfacing, Scaffolding, Precast Concrete, and Turnkey Interior Design.
Claims Made Policy
Remedying design faults can be an expensive matter
“Claims made policy” means the claim of Injury or Damage is made during the period of insurance.
Damage being: Physical loss of or physical damage to tangible property
Injury being: Death of or bodily injuty, illness or disease of any person
Period of instance being: the commencement date shown in the Schedule and ending with the expiry date shown in the schedule and any other period for which The Insurer accepted the Contractors premium.
Why CivilSure?
You don’t go to the doctor to get your teeth checked, you go to the specialist, the dentist.
It’s the same with your insurance — we get it. We understand the fast pace, the risks, and the realities of life on site. With deep knowledge of the civil and construction industry, we offer specialized, tailor-made insurance designed to keep your business covered, so you can keep building with confidence.
Frequently Asked Questions
Does PI Cover physical damage or injury?
No, PI covers financial loss caused by professional negligence. Physical damage or injury is typically covered under Public Liability or Contractors All Risk insurance, unless directly caused by a design flaw.
Is PI insurance mandatory?
It depends. Some professional bodies, government tenders, or clients may require it. While not legally mandatory, it’s often contractually required and highly recommended to limit liability.
What kind of claims does PI respond to?
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Design miscalculations causing financial loss
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Incorrect specifications on a design
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Inadequate advice
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Breach of statutory duty or professional regulations
What is "retroactive cover"
Retroactive cover allows your current PI policy to cover work done before the policy start date—usually back to a specific “retroactive date.” This is crucial for continuous protection across projects.
Does PI cover faulty workmanship?
No—PI does not cover poor physical workmanship. It only covers professional errors in advice, design, or documentation that cause financial loss. Faulty work is covered under other policies, like Contractors All Risk.
Can I be held liable for work I have subcontracted out?
Yes, you can be held liable for your subcontractor’s work, as your client has no contract with them—only with you. Your PI policy may cover this if it includes a subcontractors extension, but it won’t cover the subcontractor directly. They’ll need their own PI cover, especially if you claim against them for damages.