Professional Indemnity Insurance for M&E Contractors
Mechanical and electrical contractors who design, specify or coordinate building services carry significant professional liability. From HVAC system design to fire alarm specification, specialist Professional Indemnity Insurance is essential.
Risk Exposure
Why M&E Contractors Need Professional Indemnity Insurance
Mechanical and electrical contractors routinely provide design services as part of their scope of work. Whether designing ductwork layouts, specifying electrical distribution systems, or coordinating fire safety installations, the professional exposure is substantial.
Building services failures can result in claims for system replacement, business interruption, consequential losses and — in the case of life safety systems — personal injury claims where the failure relates to professional negligence in design.
Standard contractors' insurance policies do not cover claims arising from negligent design or specification of building services systems.
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.
HVAC System Under-Design
An air conditioning system is designed with insufficient capacity for the building's actual heat loads. Complete system redesign and replacement is required, and a Professional Indemnity claim is made against the M&E contractor for the costs involved.
Fire Alarm Specification Error
A fire detection system is specified that does not meet the requirements of BS 5839. Retrospective upgrade of the entire system across a multi-storey building is required, resulting in a Professional Indemnity claim.
Electrical Distribution Failure
Incorrect specification of electrical switchgear results in repeated failures under load. The employer pursues a Professional Indemnity claim for replacement equipment costs and associated business interruption losses.
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 Mechanical & Electrical Contractors PI Brokers
Sector Expertise
We understand the specific professional risks facing mechanical & electrical 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
Mechanical & Electrical Contractors — Common Questions
Get Started
Request a Quotation
Complete the form and a specialist Professional Indemnity broker will review your Mechanical & Electrical Contractors activities and contact you within one working day.