Professional Indemnity Insurance can respond to certain claims alleging that an Energy Rater’s assessment, calculation, report or professional advice caused financial loss.

Examples can include allegations involving:

• Incorrect energy ratings
• Incorrect software inputs
• Incorrect application of an assessment methodology
• Incorrect assumptions about insulation or glazing
• Building-envelope assessment errors
• Whole of Home modelling errors
• Section J or other energy assessment errors
• Incomplete compliance documentation
• Failure to identify a compliance issue
• Incorrect advice about required design changes
• Delays in reports or assessments
• Additional construction costs arising from an alleged professional error

Depending on the policy, cover can include defence costs, expert expenses and insured liabilities.

Why are records important? #

Useful records can include:

• Plans used for the assessment
• Assessment software files
• Input data
• Assumptions
• Client correspondence
• Design revisions
• Report versions

A claim can require investigation and defence even where the assessor believes the work was correct.

Professional Indemnity Insurance is generally claims-made, so the retroactive date, previous work and continuity of insurance can be important.

Webber Insurance has a specialist facility for Energy Raters and Thermal Performance Assessors.

Contact our team before introducing materially different assessment or consulting services.