Professional Indemnity Insurance for Construction Professionals

Professional Indemnity (PI) Insurance is essential for construction-related professions. It protects against claims arising from errors, omissions or negligent advice. 

For architects, engineers, project managers and specialist contractors, even a small issue can lead to significant financial loss. PI Insurance helps cover legal defence costs, compensation payments and claims linked to design flaws, professional negligence, intellectual property issues or loss of documents. 

At Kerry London, we build Professional Indemnity insurance around how your business operates – so your cover reflects your real risks. 

Why Professional Indemnity Insurance matters in construction

Construction projects are complex, with multiple stakeholders and tight timelines. When something goes wrong, the impact can escalate quickly. 

Delays, design issues or compliance failures can lead to costly disputes and long-term reputational damage. In many cases, PI Insurance is also a contractual requirement. 

Having the right cover in place helps you: 

• Protect your business against claims of professional negligence
• Meet contractual and regulatory requirements
• Maintain client confidence and win new work
• Manage financial exposure from disputes and remedial work

Key benefits of Construction PI Insurance

Legal protection – Covers defence costs and claims arising from professional negligence or breach of duty.  

Financial protection – Helps manage compensation, legal fees and associated costs.  

Contractual compliance – Often required by clients, helping you secure and deliver projects with confidence. 

The impact of the Building Safety Act, 2022

The Building Safety Act has reshaped Professional Indemnity risk across the construction sector. Stricter requirements for higher-risk buildings, new gateway approvals and the need for a clear “golden thread” of information have increased accountability across all professional roles. At the same time, extended limitation periods, up to 30 years retrospectively, mean firms are exposed to claims for much longer. As a result, insurers are applying greater scrutiny. This includes:  

• Tighter policy wordings and exclusions
• Increased focus on fire safety and cladding exposure
• Requests for evidence of compliance and risk management processes. 

Firms that can clearly demonstrate strong governance, quality assurance and contractual clarity are better placed to secure favourable PI terms. 

Kerry London’s approach to Professional Indemnity Insurance

We understand the pressures facing construction professionals. Our role is to make sure your Professional Indemnity Insurance supports your business as it grows. 

Tailored insurance solutions – We assess your business, projects, claims history and emerging risks, including Building Safety Act exposure and AI use, to design the right cover.  

Contract review support – We help identify potential issues in contracts, including uninsurable obligations such as fitness-for-purpose clauses. 

Access to specialist insurers – As a Lloyd’s of London registered broker, we place complex and high-risk PI Insurance into the right markets. 

Ongoing support and claims expertise – Our in-house claims team is here to support you when it matters most.  

Insurance policies are subject to underwriting, eligibility, terms, conditions and exclusions. Cover limits and features may vary.

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