Kerry London News

Professional indemnity insurance for the construction industry

Monday 20th May
Professional indemnity insurance for the construction industry

Case Study

The client: We reviewed our client’s professional indemnity insurance (PI) for professional services because they had faced significant premium increases and restricted cover during the hard market. They approached us to see whether we could offer a better deal on their PI renewal.

Type of project: Due to the large contract value and the heavier work involved (bridges and foundations), a restricted number of insurers were interested in providing professional indemnity insurance for the professional services on these projects. Several insurers were also unwilling to include the fire and cladding cover needed.


Kerry London’s professional indemnity team conducted an entire market exercise and restructured the existing programme, which was uncompetitive in the current softer market. The team split the risk across several insurers and added in fire cover.


Kerry London’s broking strategy saved the client 33% on their previous year’s insurance premium and added full fire and cladding cover. The client benefitted from enhanced overall insurance cover using A-rated insurers throughout the programme.

What does professional indemnity insurance cover?

Professional Indemnity (PI) insurance protects professionals and businesses against claims made by third parties that may have suffered a loss due to negligence, an error, an omission, or breach of contract.

  • Professional negligence resulting in civil liability
  • Claim defence costs
  • Loss of documents or data
  • Unintentional breach of copyright and/or confidentiality
  • Libel, slander & defamation

Kerry London’s Professional Indemnity team has specific expertise in the risks faced by professionals working in the construction market, such as architects, surveyors, and engineers. We are knowledgeable in the risks associated with Modern Methods of Construction (MMC) and Design and Construct (D&C) projects and can offer cover which is that is specifically designed for these professions.

We insure firms of all sizes from SMEs to large organisations through our access to the Lloyds of London market.

Contact us on 0207 623 4957 or to get insurance advice from our professional indemnity experts.

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Kerry London is authorised and regulated by the Financial Conduct Authority. The company is a leading UK independent and Lloyd’s accredited broker, which means that we work with a wide range of niche and major insurers.

This note is not intended to give legal or financial advice, and, accordingly, it should not be relied upon for such or regarded as a comprehensive statement of the law and/or market practice in this area. In preparing this note, we have relied on information sourced from third parties, and we make no claims as to the completeness or accuracy of the information contained herein. You should not act upon information in this bulletin nor determine not to act without first seeking specific legal and/or specialist advice. We and our officers, employees or agents shall not be responsible for any loss whatsoever arising from the recipient’s reliance upon any information we provide herein and exclude liability for the content to the fullest extent permitted by law.

Categories: Construction, Professional Indemnity,