Design and Construct Professional Indemnity Insurance is a form of Professional Indemnity Insurance designed for construction businesses that provide, manage or accept responsibility for professional services.

What professional services can be involved? #

Examples can include:

• Design
• Specifications
• Engineering or technical advice
• Project management
• Construction management
• Selection of materials or systems
• Coordination of external consultants
• Other professional advice connected with construction work

The policy may respond to certain claims alleging that an error, omission or breach of professional duty caused financial loss.

Depending on the policy, cover can include defence costs and certain insured liabilities arising from a covered claim.

What if the design is outsourced? #

A business can still have a professional liability exposure even where an architect, engineer or other consultant performs the design.

For example, the builder or contractor may:

• Retain contractual responsibility for the design
• Be responsible for consultants it engaged
• Coordinate or review the consultant’s work
• Accept broader design obligations under the construction contract

Design and Construct Professional Indemnity Insurance does not replace Contract Works Insurance or Public Liability Insurance.

Contact our team if you would like help reviewing a Design and Construct exposure.