Whilst Professional Indemnity Insurance is a must for Building Designers, several additional insurances may be important, depending on the nature of their work and how their business operates and is structured. 

• Public Liability Insurance protects you against third-party injury or property damage claims. This is particularly relevant if you attend client sites, engage in inspections or operate from a physical office. 

• Cyber Liability Insurance helps cover losses from data breaches, phishing scams, and ransomware attacks, which are increasingly common in professions handling digital plans, client data, or cloud-based file storage. 

• Business Package Insurance can cover your office contents, laptops, and portable design equipment. Depending on your requirements, it may also include cover for theft, fire, and business interruption. This can also be known as Office Insurance.

• Management Liability Insurance is important for business owners and directors. It covers allegations such as unfair dismissal, breach of directors’ duties or workplace health and safety claims. 

Each business has its own individual exposures. If you need specific advice for your business, please get in touch with one of our brokers for assistance.