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Insurance For Architects Surveyors And Engineers
Specialist Cover for Design and Technical Professionals.
Your work shapes structures, informs decisions, and carries long-tail liability. At ERM Financial Services, we help Irish architects, surveyors, and engineers protect their practice and reputation with tailored insurance that reflects professional standards and real-world exposures.
We provide expert support whether you’re working as a sole practitioner, a multidisciplinary practice, or part of a wider consultancy.
Who We Work With
Chartered and consulting architects
Civil, structural, and M&E engineers
Building, quantity, and land surveyors
Multidisciplinary design firms and sole traders
Insurance For Architects, Surveyors and Engineers
Key Insurance Covers for Design Professionals:
Professional Indemnity Insurance
Protects against claims of negligence, design error, or omissions. Covers legal defence, settlements, and damages (where insurable).
Public Liability Insurance
Covers injury or property damage claims made by third parties (e.g. clients or site visitors) at your office or off-site.
Employers’ Liability Insurance
Required if you employ staff — covers workplace injury or illness.
Office Contents & Equipment Insurance
Covers IT equipment, drawings, reference materials, and portable devices both in-office and in transit.
Cyber Liability Insurance
Essential for firms handling sensitive project data, CAD files, client communications, and contractual documents.
Optional Add-Ons:
Directors & Officers (D&O) cover for decision-making risks
Legal expenses cover (employment disputes, regulatory claims)
Run-off cover for retired or closed practices
We Cover the Full Range of Surveying & Engineering Professionals
ERM protects all professions involved in design, inspection and consultancy in the construction and infrastructure sectors, including:
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Quantity Surveyors
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Land Surveyors
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Building Surveyors
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Chartered Surveyors
- Environmental Surveyors
Why ERM?
- 30+ years of experience insuring Irish built-environment professionals
- We understand RIAI, ACEI, EI, and SCSI standards
- Support for PI renewals, claim scenarios, and contracts
- Fast service, plain English advice, and personal support
FAQs – Insurance for Architects, Surveyors & Engineers
1. What’s the most important insurance for my practice?
Professional Indemnity (PI) Insurance is the core cover for design and technical liability. It protects you if a client alleges errors or financial loss due to your work.
2. How much PI cover do I need?
That depends on your contracts, clients, and professional body requirements. We typically arrange cover from €500,000 to €6.5 million — or higher if needed.
3. Does PI cover claims for historic work?
Yes, if your policy includes retroactive cover and you’ve maintained continuous PI insurance. We’ll help you verify this during your renewal.
4. Do I need Cyber Insurance if I already have PI?
Yes — PI covers negligence, but not cyberattacks, ransomware, or GDPR breaches. Cyber cover protects your systems, data, and digital liability.
5. Can I get cover for site visits or inspections?
Yes. Public Liability Insurance covers injury or damage at client sites, developments, or during surveying. Portable equipment can also be insured.
6. What’s run-off cover and when do I need it?
Run-off insurance provides PI cover after a business closes — important due to long-tail claims in the design and surveying professions.
7. Can I bundle my policies into one?
Yes. PI, PL, EL, cyber, and office insurance can often be packaged — reducing cost, admin, and renewal risk.
8. Is ERM Financial Services regulated?
Yes. ERM Financial Services is regulated by the Central Bank of Ireland.