Related engineering claims arising from the same error may be treated as one claim or grouped under a Professional Indemnity policy.
The outcome depends on the aggregation wording in the particular policy.
Relevant factors can include whether the allegations arise from:
- the same act, error or omission
- a series of related acts or omissions
- one underlying cause
- the same project or design
- multiple affected parties
How claims are grouped can affect the available limit of indemnity, the number of excesses and which policy period applies.
It should not be assumed that every affected client, building or project creates a separate claim, or that everything will automatically be treated as one claim.
Where several allegations appear connected, notify them promptly and provide enough information for the insurer to assess whether the policy’s related-claims or aggregation provisions apply.
