Professional Indemnity Insurance for Building Contractors
Building contractors increasingly find themselves carrying professional liability exposure through design portions, performance specifications and project management responsibilities. Specialist PI cover protects your business when standard liability policies cannot.
Risk Exposure
Why Building Contractors Need Professional Indemnity Insurance
Modern construction contracts frequently impose professional duties on building contractors that extend beyond traditional workmanship obligations. Performance specifications, contractor's design portions, and coordination responsibilities all create exposures that require Professional Indemnity Insurance.
Even where a contractor does not consider themselves to be providing 'design services', the contractual allocation of risk under standard form contracts can create professional liability exposure.
A single claim arising from a design coordination failure or specification error can significantly exceed the financial resources of most contracting businesses.
Scope of Cover
Typical Activities Covered
Illustrative Claims Scenarios
Typical Claims Scenarios
The following scenarios are illustrative examples only and are intended to demonstrate the types of claims Professional Indemnity Insurance is designed to respond to.
Material Specification Error
A building contractor specifies floor finishes that prove unsuitable for the intended use. The entire floor covering requires replacement, and the employer pursues a Professional Indemnity claim for the replacement costs and associated business interruption losses.
Coordination of Services
Inadequate coordination between mechanical and structural elements leads to services clashing with structural beams. Extensive on-site modifications are required, and a Professional Indemnity claim is made for the additional costs.
Temporary Works Failure
A temporary support structure designed by the contractor's site team fails during construction, causing damage to adjacent property. A Professional Indemnity claim is pursued for rectification costs and third-party property damage.
Proposal Information
What Underwriters Usually Ask
When we approach the market on your behalf, underwriters will typically require the following information. We guide you through this process.
Why Choose PLB
Specialist Building Contractors PI Brokers
Sector Expertise
We understand the specific professional risks facing building contractors and arrange cover that responds to your actual exposures.
Market Access
Access to specialist Professional Indemnity underwriters and markets with experience in this sector.
Personal Service
Deal directly with experienced PI specialists who know your sector — not a call centre or an algorithm.
Frequently Asked Questions
Building Contractors — Common Questions
Get Started
Request a Quotation
Complete the form and a specialist Professional Indemnity broker will review your Building Contractors activities and contact you within one working day.