If you receive a letter of demand alleging that your work has caused financial loss, property damage or any other issue, you should not respond directly or admit liability. The best course of action is to notify your insurer immediately. 

A letter of demand is often the first indication that a claim may arise under your Professional Indemnity policy. These letters typically request compensation, corrective action or a formal response to a perceived error or omission in your work. 

Here’s what to do: 

• Do not reply to the letter without speaking to your insurer or broker first 
• Do not admit fault or offer to pay, as this could prejudice your policy 
• Forward the letter to us, and we will notify your insurer on your behalf 
• Allow the insurer to appoint a legal advisor or provide instructions on how to proceed 

Acting promptly helps ensure your rights under the policy are preserved and gives your insurer the best chance to manage the situation effectively. If you need assistance, please contact us, and we will guide you through the necessary steps to protect your engineering business.