---
title: "What Design & Construct Professional Indemnity limit do I need?"
description: There is no standard Design and Construct Professional Indemnity limit. The appropriate amount depends on contracts, project exposure and policy structure.
url: "https://www.webberinsurance.com.au/help/insurance-products/design-construct-professional-indemnity/design-construct-pi-limit"
updated: "2026-10-07"
category: "Insurance Products / Design & Construct Professional Indemnity"
---

# What Design & Construct Professional Indemnity limit do I need?

There is no single Design and Construct Professional Indemnity limit suitable for every contractor. The amount should reflect contractual requirements, project exposure and the structure of the insurance available.

## What can affect the required limit?

Relevant factors can include:

- The minimum limit required by contracts.
- Largest and typical project values.
- Type and complexity of construction.
- The extent of design responsibility.
- Services performed internally or subcontracted.
- Potential redesign, rectification and delay costs.
- The number and size of projects undertaken at the same time.
- Claims history and insurer requirements.

A contractual minimum is important, but it may not represent the maximum potential loss.

## How is the policy limit applied?

Check whether the limit applies to each claim or in the aggregate across the policy period. Also consider whether the policy provides reinstatements after a claim.

Defence costs may reduce the available limit or be provided in addition to it, depending on the policy wording. These differences can materially affect the protection available.

## Can higher limits be arranged?

Higher protection may sometimes be arranged through:

- A higher primary policy limit.
- Excess Professional Indemnity layers.
- A layered placement involving more than one insurer.
- Project-specific insurance where appropriate and available.

Availability depends on the contractor's activities, project profile, claims history and market conditions.

## How should I choose the limit?

Provide Webber Insurance with the relevant contract requirements and details of the business's professional exposure. We can provide a high-level review of the insurance requirements and help compare available limits and policy structures.

A separate contractual insurance review can be arranged where more detailed assistance is required.

  **General Advice Warning:** The information on this page is general in nature and does not take your personal circumstances into account. You should consider whether it is appropriate for you and seek professional advice before making any decisions. For tailored advice, please contact Webber Insurance Services.