Why Professional Indemnity Insurance Matters
Professional Indemnity (PI) protects your business if a client alleges that your design, advice or professional service caused financial loss, even if you did everything correctly.
Construction PI claims can arise from:
- Incorrect or incomplete technical drawings
- Structural miscalculations
- Incorrect product or material specifications
- Poor coordination between trades or disciplines
- Planning and regulatory breaches
- Professional mistakes by subcontracted designers
- Failures that cause delays, defects or non-compliance
Legal defence alone can cost tens of thousands — PI covers these costs and any settlement.
Who Needs Construction PI Insurance?
If your work involves design, specification, certification, drawings, calculations or professional judgement, you need PI.
SRS Insurance provides PI cover for:
- Design & Build (D&B) Contractors
- Architects & Architectural Technicians
- Structural & Civil Engineers
- M&E Consultants and Designers
- Building Surveyors
- Contract Administrators
- Retrofit Coordinators & Assessors (PAS 2035)
- Project Managers
- Interior Designers
- Façade & Cladding Specialists
- Specialist Subcontractors assuming design responsibility
If you touch the design — you can be sued for it.
What SRS Insurance Professional Indemnity Covers
Below is a complete overview of what our PI policies protect you against:
Negligence
Protection against allegations of:
- Design defects
- Incorrect calculations
- Professional mistakes
- Inaccurate or incomplete specifications
PAS 2035 Retrofit Insurance
Legal fees are covered, even if the claim is unfounded.
Civil Liability
Covers:
- Breach of professional duty
- Defamation & libel
- Intellectual property disputes
- Breach of confidentiality
Mitigation Costs
Pays for urgent corrective work to prevent a small problem from becoming a major claim.
Loss of Documents
Replacement of lost, damaged or corrupted drawings, plans or reports.
Collateral Warranties & Contractual Requirements
Optional extensions for liability assumed via:
- Developer warranties
- Funders’ agreements
- Employer’s Requirements (ERs)
- Project-specific appointments
Why Design & Build Contractors Face Higher Risk
Under a Design & Build (D&B) contract, you are responsible for both construction and design — whether produced in-house or subcontracted.
If a subcontracted designer gets it wrong, the contractor is still legally liable.
This is why dedicated D&B Professional Indemnity Insurance is essential.
Real Examples of PI Claims
Cladding & Envelope Failures
Incorrect thermal calculations leading to condensation or fire-safety issues.
Fire Compartmentation Oversights
Surveyors missing defects, resulting in large remedial costs and client claims.
M&E Specification Errors
Incorrect airflow or HVAC sizing causing delays, disruption and compensation claims.
Incorrect Product Selection
Specifying materials that fail compliance testing, requiring expensive replacement.
PI insurance protects you in all of these situations.
Why Choose SRS Insurance for PI?
Our advantages include:
- Construction PI specialists
- Expertise in JCT, NEC, D&B and professional appointments
- Contract & warranty review guidance
- Policies available on any-one-claim or aggregate basis
- Retroactive cover and run-off options
- Fast turnaround for most professions
- A-rated insurers only
- Clear, industry-specific advice
- Construction PI specialists
- Expertise in JCT, NEC, D&B and professional appointments
- Contract & warranty review guidance
- Policies available on any-one-claim or aggregate basis
- Retroactive cover and run-off options
- Fast turnaround for most professions
- A-rated insurers only
- Clear, industry-specific advice
SRS Insurance understands construction risk — and how PI claims actually occur.
Who We Support
We work with:
- Main contractors
- Single practitioners
- Multi-discipline consultancies
- Specialist design subcontractors
- Large construction groups
- Retrofit and energy-efficiency specialists
Whether you need cover for a single project or your entire practice, we support you.
Speak to SRS Insurance for Specialist PI Cover
SRS Insurance provides tailored Professional Indemnity solutions that protect your business, your projects and your professional reputation.
We help with:
- Fast quotations
- Reviewing your design responsibilities
- Understanding contract obligations
- Ensuring your cover meets client requirements
Make sure your insurance protects your accreditation — not jeopardises it.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.