Design and Construct Professional Indemnity Insurance

Design and Construct Professional Indemnity Insurance is a type of insurance that provides protection for professionals who provide design and construction services. This type of insurance is particularly important for architects, engineers, and other professionals who are responsible for the design and construction of buildings and other structures.

Professional Indemnity Insurance is designed to protect professionals against claims made by clients or third parties who may have suffered a loss as a result of their work. This can include claims related to errors or omissions in the design or construction process, or allegations of professional negligence.

There are a number of reasons why Design and Construct Professional Indemnity Insurance is important:

It provides financial protection: If a professional is sued for a mistake or error that they have made in their work, the costs of defending the claim and any damages that may be awarded can be significant. Professional Indemnity Insurance helps to cover these costs, protecting the professional and their business from financial ruin.
It protects the professional’s reputation: A claim or lawsuit can damage a professional’s reputation, even if the allegations are ultimately found to be baseless. Professional Indemnity Insurance helps to protect the professional’s reputation by providing financial support to defend against the claim and mitigate any potential damage.
It helps to maintain trust with clients: Clients rely on professionals to provide high quality work, and when something goes wrong, it can be frustrating and disappointing. Professional Indemnity Insurance helps to demonstrate to clients that the professional takes their work seriously and is committed to addressing any issues that may arise.


In summary, Design and Construct Professional Indemnity Insurance is an important form of protection for professionals who provide design and construction services. It helps to protect against financial losses, safeguard reputations, and maintain trust with clients.



UK-based expert support, online and on the phone. Specific Claims and Risk Management advice, along with technical bulletins are provided throughout the policy period.


MFL is trusted by thousands of Professionals.


Once we talk to you about your circumstances, we can work to tailor insurance cover to your specialist activities and advice.

Your Profession. Covered!

We start with our making sure your Professional Indemnity Insurance cover is based on your circumstances and compliant, you can then choose to add on extras that suit you and your risk appetite.

Professional Indemnity Insurance

Protection for your business if a client alleges negligent acts, errors/omissions/actual negligent acts or offered poor advice.

Management Liability Insurance

Financial support for claims made against the company, its senior staff or its Directors’s & Officers’

Protect your office and Equipment

Add our Office Insurance policy to provide cover for business premises and equipment against disasters such as a flood or fire, accidents, acts of vandalism and burglary.

Cyber Cover Insurance

Cyber Cover offers assistance to you and third parties if a Cyber Event occurs.

Fidelity Insurance

Provides cover for loss of money and other property resulting from fraudulent or dishonest acts committed by an employee or volunteer.

Liabilities Insurance

Public and Employers’ Liability Cover. This can come standard with Office Insurance Policies too.

Fleet Insurance

Insurance to keep your vehicles and surveyors on the road.

Your Surveyors Insurance Quote

Exclusive insurance facilities

Why MFL?

We are a specialist insurance brokers with a wealth of knowledge to the Design and Construction Profession.
We are independent, meaning we have the flexibility to design our services around you, and access the insurer markets we need to deliver competitive insurance regardless of the size of your practice.
Competitive quotations from our insurer partners.
You will have a dedicated team of brokers looking after you, with a support team on hand to deal with any claims and risk management issues you have.
Regular blogs and bulletins which provide updates on market conditions, risk management, claims examples, etc.


What does Design and Construct PI Insurance Cover?

Even if you’ve done nothing wrong, the cost of defending yourself against claims of negligence or mistakes that leave your client out of pocket can be very high.

  • Negligence – if you provide incorrect advice or make a mistake
  • Breach of confidence – sharing (commercially) sensitive information without permission
  • Lost or damaged documents, money or goods – if you lose money or lose/damage documents or goods whilst in your care
  • Defamation – If you produce or support libellous comments
  • Breach of copyright – Limited cover is available if you infringe copyright, trademarks or intellectual property (see intellectual property insurance for our full cover option)
  • Employees – If your employee causes a loss for a client
What other insurance does a contractor of Design professional need?

The other insurance you need will be based on your circumstances.

  • Looking to close your business, then you may need Run Off Cover.
  • If the Limit of indemnity needs to increase, then you need Excess Layer Insurance.
  • Do you need to cover past works, then we can work with you to put a Retroactive Date on your PI Cover
  • If you have employees, you will need Employers Liability Insurance.
  • Do you have equipment that needs protecting? Then an Office Insurance policy can provide cover for your furniture, IT equipment, technical surveying equipment
  • If you don’t want to be personally liable as a Director, a Directors’ and Officers’ insurance policy covers your defence costs and any compensation you must pay.
Do I need Professional Indemnity Insurance after I've ceased to practice?

Yes- it is imperative to secure ‘run-off’ cover for your previous practice after you cease to practise. This is to cover you for claims for work done while in practice but arising after the practice ceased trading. This requirement is in your interests, whether or not you think you might have a claim in future.


Contact our friendly team today to discuss your insurance needs. Whether you call us for a chat or drop us an email. We will aim to respond within 24 working hours.

We look forward to helping you find what you’re looking for.

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Monday to Friday 09:00 to 17:00

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Minshull Street
M1 3DZ

Opening hours
Monday to Friday 09:00 to 17:00

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