Defence costs
Legal, expert and related costs incurred in defending a covered allegation.
Professional Indemnity
Professional Indemnity for engineers.
Cover designed to respond to covered allegations arising from professional advice, design, calculations, reports and related engineering services.
Want to talk through the policy first?Start with a callback—no proposal form or commitment required.
What it is
Protection for the professional work behind every project.
Professional Indemnity insurance is designed for claims alleging a negligent act, error or omission in professional services. A claim may require a legal defence even where liability has not yet been established.
- Professional advice and engineering design
- Calculations, specifications and reports
- Inspections, certification and sign-off
- Project management and technical consulting
- Allegations of errors, omissions or negligence
- Related defence costs and settlements where covered
How it responds
The policy details matter.
The scope of protection depends on the wording, limit, excess and endorsements—not simply the name of the cover.
01Claims-made and notified basis
02Retroactive date and prior work
03Limit of indemnity and reinstatements
04Defence costs inside or outside the limit
05Excess and how it applies
06Territorial and jurisdictional limits
07Contractual liability and warranties
08Exclusions, endorsements and notification obligations
Common protection
What a policy may respond to.
Compensation and settlements
Covered damages or settlements following a professional negligence claim.
Lost documents and data
Selected costs to restore or reconstitute professional documents and data.
Confidentiality and defamation
Selected claims involving privacy, confidentiality or defamation, subject to the wording.
Cover varies between insurers and remains subject to the policy terms, conditions, exclusions, limits and excesses.
Choosing limits
How much cover is enough?
There is no universal number. The appropriate limit should reflect the practice, its obligations and the possible financial impact of a claim.
- Project types, complexity and maximum values
- Client reliance and potential financial loss
- Contract, client and regulator requirements
- Aggregation and the possibility of multiple claims
- Whether defence costs sit inside or outside the limit
- The balance between limit, excess and premium
Useful guides
Understand the settings before you choose.
Choosing a Professional Indemnity limit
Defence costs inside or outside the limit
Retroactive cover and prior work
Run-off cover after closing or retirement
Our approach
Written terms, explained clearly.
Describe the practice
Outline disciplines, services, projects, revenue, contracts and claims history.
Compare the wording
Review limits, excesses, exclusions, endorsements and defence-cost treatment.
Decide with context
Understand the important differences before choosing and placing the cover.
Begin with a conversation
Request a callback if you are not ready to complete the full proposal form.
Common questions
Professional Indemnity, explained clearly.
Not in every situation. Registration rules, professional associations, clients and contracts may impose minimum insurance requirements, so check the obligations that apply to your work.
The claim or relevant circumstance generally needs to be first made and notified during the policy period, subject to the policy wording. Continuous cover and prompt notification are therefore important.
It identifies how far back the policy may respond to professional work. Acts after the applicable date may be eligible subject to the terms; work before it is generally excluded.
PI focuses on professional services and resulting loss. Public Liability generally focuses on third-party injury or property damage arising from business activities. An engineering practice may need both.
A claim can arise after the practice has stopped trading. Run-off cover may maintain protection for past work, subject to the policy terms and any professional or contractual obligations.
Next step
Request written Professional Indemnity terms for your engineering practice.
Tell us about your disciplines, services, project profile and current insurance.
A simpler first step
Not ready for a quote? Start a conversation.
Start a conversation
Request a callback.
Share the essentials and the team can get in touch. There is no need to complete a full proposal form.
Concept only—the production version will use Gravity Forms and notify the team.