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Consulting Engineers Professional Indemnity insurance

As a Consulting Engineer, your clients rely upon you to provide expertise, knowledge and good judgement. Your input can make or break a project of any size but that, and the potential to be held accountable for others, opens you up to professional liability exposure.

Having robust coverage is essential for protection in the event of a claim against you. With over 90-years’ experience developing tailored insurance solutions, we can offer you a tailored Professional Indemnity (PI) insurance solution – one that’s designed for you and your unique risk profile.
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Why do Consulting Engineers need Professional Indemnity insurance?

As a professional providing design, specification or construction-related advice, you owe a duty of care to your clients, the public and other third parties. In the unfortunate instance where you are alleged to have breached that duty, you could end up facing a claim – despite many years passing since the services were provided.

Even where you have done nothing wrong, the impact to your reputation can be significant. PI insurance cover is primarily designed to protect you and your business in the event of claimants suggesting losses have been suffered as a result of non-performance, breach of contract or professional negligence. A robust PI solution should cover any legal costs and other expenses that arise from the defence of any claim as well as any damages payment that could arise.

Why should Consulting Engineers choose Griffiths & Armour?

With extensive experience working in partnership with leading engineering firms in the UK, Ireland and internationally, our experienced team have a unique understanding of the risks you and your clients could face.

We have a proven track record and a reputation in delivering world class Professional Indemnity insurance and risk solutions for our consulting engineering clients.

We do things differently. We go beyond insurance, investing in understanding and supporting our clients to achieve their wider business objectives, often becoming a natural extension to their team.

Our team of experienced insurance professionals take a trusted, personal and proactive approach that delivers long-term strategic and tailored Professional Indemnity insurance solutions.

Which classes of insurance should Consulting Engineers consider?

Professional body relationships

Griffiths & Armour works with a number of professional bodies and organisations, both to support our clients’ interests and also to build our own knowledge base and profile with regards to important issues in the construction industry.

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Contract Review Service

Legal helpline

Griffiths & Armour offers a legal helpline providing direct access to sector-specific expert solicitors for our clients with Professional Indemnity insurance.

With offices across the UK and Ireland, you can receive immediate legal advice on issues like negligence allegations, draft agreements, and commercial disputes at no additional cost.

Legal helpline

Contract Review Service

We help you make informed decisions on mitigating contractual risks. Our team of experienced brokers and contract reviewers provide specialist advice on all types of construction contracts, from standard forms to bespoke documents, letters of reliance through to Novation agreements.

FAQs

What is Professional Indemnity insurance for Consulting Engineers?

Professional Indemnity insurance protects you and your business in the event of claimants suggesting they have suffered loss as a result of non-performance, breach of contract and/or professional negligence in the services provided. The insurance should also cover legal and other costs and expenses incurred in the defence of any claim.

What kind of insurance does a self-employed Engineer require?

Whether you’re a self-employed Engineer or a business owner, there are a range of insurances such as Property, Business Interruption, Employer’s Liability and Public Liability that will be required to cover your potential exposure. However, given the nature of what you do and your clients’ reliance of your professional services, Professional Indemnity Insurance will be central to your insurance programme. If you’re not sure what coverage you require, one of our experts would be happy to assist you.

Does Professional Indemnity insurance cover Public Liability?

No, Professional indemnity insurance is a class of insurance in its own right. Whilst similar losses may be covered under both classes of insurance, the purposes of the policies and the circumstances in which they respond are very different. Professional indemnity insurance is designed to respond where the claim has arisen from the provision of professional services.

Is physical injury covered by Professional Indemnity insurance?

Professional Indemnity is designed to cover the insured’s liability for a variety of losses. All insurance policies will contain limitations and exclusions but subject to such restrictions, Professional Indemnity insurance would be expected to cover the insured in respect of liability for personal injury arising from the provision of professional services.

Is Professional Indemnity insurance compulsory?

Professionals such as Accountants, Architects, Engineers and Solicitors will find themselves needing to hold Professional Indemnity insurance whether as a result of a legal requirement, the rules established by their professional institute or simply due to the demands of their client. Today, it would be very unusual to see any professional services agreement that does not impose a requirement to maintain PI insurance.

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