Design and Construct Professional Indemnity is still a form of Professional Indemnity Insurance, but it is structured for businesses combining professional services with construction activities.

Standard Professional Indemnity #

A standard Professional Indemnity policy may be suited to businesses whose primary activities involve professional advice or services, such as:

• Design
• Consulting
• Engineering
• Other professional services

Some standard Professional Indemnity policies can contain restrictions relating to construction, installation, fabrication or physical works.

Design and Construct Professional Indemnity #

Design and Construct cover is intended for businesses where professional services are connected with the delivery of construction work.

Insurers may consider:

• Project type and value
• Construction activities
• Professional services
• Internal design
• Outsourced design
• External consultants
• Contractual liabilities
• Claims history
• Known circumstances

The policy is intended to address the professional liability exposure created by this combination of design and construction responsibility.

It does not automatically cover defective workmanship, physical damage to the works or every construction defect.

Those risks may instead involve policies such as Public Liability or Contract Works Insurance.

Contact our team if you need help reviewing which type of Professional Indemnity structure applies to your business.