Professional negligence
May respond to covered allegations that a professional service, advice or work product contained a negligent act, error or omission causing client loss.
Dixons Commercial Insurance Brokers · Insurance product
Design & Construct Professional Indemnity Insurance
Professional indemnity options for Design & Construct practices and businesses.
Discuss this insuranceAt a glance
Who is this product for?
Design & Construct practices and eligible businesses providing specialist advice, services, recommendations, design, management or other professional work to clients. The activities and services insured must be accurately described.
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What can it cover?
Professional indemnity insurance may respond to covered civil claims alleging a negligent act, error or omission in the provision of professional services that causes a client financial loss. Depending on the product, cover may include defence costs, breach of professional duty, loss of documents and specified extensions. The services, retroactive date, claims-made basis and policy limits are particularly important.
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Cover options to explore
Explore some of the insurance sections that may be relevant to your business. The options available will depend on your activities and the markets we approach.
Civil liability
May cover specified civil liability arising from the insured professional services, subject to policy definitions and exclusions.
Defence costs
May meet specified legal defence costs for covered claims, often within or subject to the policy limit.
Breach of professional duty
May respond to certain allegations of breach of duty arising from the declared professional activities.
Loss of documents
May cover specified costs to replace or restore documents for which the business is responsible, subject to limits and conditions.
Real-world scenarios
How could insurance help?
Examples of situations businesses may face, and the types of cover that may be worth discussing with a broker.
A client alleges negligent advice
A client says professional advice caused them a financial loss.
Cover to discuss: Professional Indemnity, if the advice and circumstances fall within the policyA report contains a material error
A client alleges that an error in a written report or recommendation caused financial loss.
Cover to discuss: Professional Negligence / Errors and OmissionsA project design contains an omission
A client alleges a design or specification omission led to additional costs or remedial work.
Cover to discuss: Professional Indemnity, subject to the insured services and exclusionsConfidential client documents are lost
Documents held for a client are lost and the business incurs specified restoration or response costs.
Cover to discuss: Loss of Documents, where includedA regulator investigates professional conduct
The practice faces a defined disciplinary or regulatory investigation.
Cover to discuss: Regulatory Defence Costs, if selected and the event is insuredThese are illustrative scenarios, not actual Dixons customer claims or confirmation that a policy will respond. Any claim is assessed against the policy terms and circumstances.
More ways to protect your business
Additional options
Depending on the nature of your business, there may be further areas of protection worth exploring. These options are not included automatically and availability varies between insurers.
Good to know
Frequently asked questions
Some useful starting points about this type of insurance. If you have a specific question about your business, speak to our team.
What does professional indemnity insurance cover?
It may respond to covered civil claims alleging negligence, errors or omissions in the professional services declared to the insurer. The policy wording defines the services, claims and exclusions.
Is professional indemnity claims-made?
Many professional indemnity policies operate on a claims-made basis. The policy in force when the claim is first made and notified may be relevant, subject to retroactive dates and continuity.
What is a retroactive date?
It can restrict cover to acts or omissions occurring on or after the date shown in the policy. Earlier work may not be covered.
Does it cover contractual disputes?
Not every contractual dispute is covered. Liability assumed only under contract, fee disputes and performance guarantees may be excluded or restricted.
Are defence costs included?
Defence costs may be covered for insured claims, but may be within the limit or subject to separate terms. The wording should be checked.
Do I need to disclose previous circumstances?
Known claims and circumstances that may give rise to a claim should be disclosed as required. Non-disclosure can affect cover.
What information will a broker need?
Professional services, fee income, client types, project values, contracts, jurisdictions, qualifications, claims and requested limits.
Can I change my professional services during the policy?
Changes should be notified. New or materially different services may need insurer agreement before they are undertaken.
Speak to a commercial insurance broker
Let's talk about your business.
Tell us about your work and we'll explore the insurance options available across our markets.
Contact Dixons → 01727 736 970Product information is a general guide. The options available depend on your business and the insurance markets approached.