Some Professional Indemnity policies extend to cover subcontractors or consultants who work on your behalf, particularly if they are under your direct supervision or control. In many cases, the policy includes coverage for vicarious liability. This means you are protected if a claim arises from the work of a subcontractor, even if they are not directly named on the policy.

However, this does not automatically mean the subcontractor is insured in their own right. They may still need their own Professional Indemnity policy to cover their personal liability and legal costs.

Some insurers may also require subcontractors to be specifically listed on your policy to ensure their work is included in the coverage.

It is essential to disclose all subcontractors and consultants when arranging or renewing your insurance. This allows the policy to be structured correctly and avoids gaps in coverage. To learn more, visit our comprehensive page on engaging subcontractors.

Contact us if you use subcontractors and want to make sure everyone involved is properly protected.