Professional Indemnity Insurance for Construction Professionals
Protection for design, inspection, certification and advisory work — because even routine tasks can lead to disputes if something goes wrong. Indicative terms typically within 24 hours.
- Cover for Design, Inspection & Advisory Work
- Claims-Made Cover, Continuously Maintained
- Indicative Terms within 24hrs*
- Run-Off Cover Available*
- FCA Authorised and Regulated Broker
Get Your Professional Indemnity Quote
Tell us about your project – we’ll come back to you.
Cover for Design, Inspection & Advisory Work
Built for construction professionals, not generic PI
Claims-Made Cover, Continuously Maintained
Essential given long project cycles
Indicative Terms within 24hrs*
*Subject to satisfactory information & underwriting
Run-Off Cover Available*
*Subject to underwriting review
FCA Authorised and Regulated Broker
What is PI?
Why Professional Indemnity Matters in Construction
Professional indemnity insurance protects construction professionals whose work involves specialist judgement — whether that’s design, inspection, certification or advisory services. In a sector where decisions affect safety, compliance, and cost, even routine tasks can lead to disputes if something goes wrong.
An allegation of negligent advice, inaccurate reporting or missing documentation can quickly escalate into a significant financial and legal challenge. PI cover helps protect your business when those situations arise, giving you the confidence to deliver your professional services without unnecessary risk.
Most policies operate on a claims-made basis, meaning your insurance must be active when a claim is raised. Continuous cover is essential in construction due to long project cycles and extended exposure periods.
PI insurance steps in when the advice, design work or reports you provide are questioned or claimed to have caused financial loss. Mistakes may be rare — but when they occur, the consequences can be serious.
Our team can help you understand your exposure and select a policy that matches the scale and nature of your role.
Professional Roles Covered
Indicative terms*
Authorised & regulated broker
Who it's for
Who Needs Professional Indemnity Insurance?
Design Professionals
Architects, architectural technologists and design consultants mitigating the financial risks of design flaws, specification errors, or omissions leading to costly rectifications.
Engineering Professionals
Structural, civil and building services engineers safeguarding against claims arising from flawed calculations, system designs, or technical advice.
Quality & Inspection
Building surveyors, inspectors and quality specialists covering potential liabilities from inaccurate condition reports, missed defects, or failing to identify site non-compliance.
What's covered
What Checkmate Professional Indemnity Insurance Covers
PI insurance steps in when the advice, design work or reports you provide are questioned or claimed to have caused financial loss. Mistakes may be rare — but when they occur, the consequences can be serious.
A single claim can create disruption, cost and reputational pressure — Professional Indemnity cover helps absorb the financial impact so you can continue operating with confidence, and demonstrates to clients that risk is being managed properly.
Common policy exclusions:
- Claims arising from negligent advice, inaccurate assessments or incorrect design details
- Replacement of lost or damaged files, drawings or technical documents
- Misuse or unintentional infringement of intellectual property
- Compensation, defence and legal fees relating to claims made against you
- Errors in professional certification, surveys or project sign-off documentation
What PI does not cover
Professional Indemnity insurance does not cover physical loss or damage to the works themselves — that’s covered separately under Contractors All Risk insurance — and does not cover deliberate or reckless acts. Whether cover applies will depend on the specific policy wording and the claim being first made during the policy period. A Checkmate PI specialist will always walk you through your policy exclusions.
The process
Getting your Professional Indemnity quote in three steps
Tell us about your role
Complete the short form above — your professional role, services provided, and desired level of cover. Takes under two minutes.
We assess your exposure
Our team reviews the nature of your work — design, inspection, certification, or advisory — to understand your real exposure.
Receive indicative terms
Compare terms and receive documentation that reflects the scale and nature of your role.
Why Checkmate
Three reasons professionals choose us
In-house technical expertise
We understand how design responsibilities, certification duties and advisory roles create risk — not generic professional indemnity, built specifically for construction.
Practical Guidance, Plain Language
We focus on straightforward terms and clear guidance, not confusing policy jargon.
For Every Scale of Practice
Whether you’re an established consultancy or a growing specialist practice, we provide cover that matches your real exposure.
CLOSING YOUR PRACTICE OR WINDING DOWN?
Run-Off Cover — Protection After You Stop Trading
If you’re closing your practice, retiring, or winding down design activity, claims can still be made against you for years afterward. Checkmate can arrange run-off cover so you remain protected for design work already completed.
Subject to underwriting review and project-specific criteria. Speak to our team for an initial assessment.
Ready to get covered?
Get your Professional Indemnity quote today
Fill in the form above or speak directly to our team. FCA regulated.