Professional Indemnity Insurance for Design & Build Contractors
Integrated Cover for Complex Project
Design & Build contractors operate across both construction delivery and professional design — and with that comes a unique combination of physical and professional liability. At ERM Financial Services, we help Irish contractors secure the right protection for their dual roles, including contractually required PI cover.
With over 30 years’ experience in the construction and consultancy space, we understand the nuances of risk across project stages — from drawings and specifications to build and handover.
Who Needs Design & Build PI Insurance?
You may need Professional Indemnity (PI) Insurance if you:
- Undertake or subcontract architectural, structural, M&E, or fire design
- Are responsible for specification or layout decisions
- Provide design input as part of a Design & Build contract
- Work under public procurement frameworks that mandate PI cover
Professional Indemnity Insurance design & Build
What Does PI Insurance Cover for Design & Construct Firms?
Claims of negligence, error or omission in design work
Specification failures or flawed technical advice
Legal defence costs and compensation payments (where insurable)
Claims arising from past services (retroactive cover available)
Please note: All cover depends on your specific policy terms.
Related Cover Options:
Contractors All Risks (CAR)
First-party damage to works, materials, and site assets
Public Liability Insurance
Third-party injury or property damage during construction
Employers' Liability
Injury or illness claims from employees or labour-only subcontractors
Design & Construct PI
A policy type specifically built for combined construction and design risks
We Provide PII for the Full Range of Design & Construct Roles
- Plant Hire Contractors
- Scaffolder Contractors
- Formwork & Shuttering Contractors
- Building Contractors
- Electrical Contractors
- HVAC Contractors
- Roofing Contractors
- Drywall Contractors
- Landscape Contractors
- Fire Protection Contractors
- Plumbing Contractors
- Demolition Contractors
- Concrete Contractors
- Excavation Contractors
- Steel Fixing Contractors
- Carpentry Contractors
- Insulation Contractors
- Foundation Contractors
- Elevator/Lift Contractors
- Renovation Contractors
- Sprinkler Installation Contractors
- Quarry Contractors
Why Choose ERM Financial Services?
30+ years of experience with design, build, and consultancy risks
Tailored policies that meet main contractor and framework expectations
Trusted by Irish building contractors, engineers, and design consultants
Efficient service from an adviser who understands both site risk and paperwork
Frequently Asked Questions (FAQs)
1. Is PI Insurance required for all contractors?
No — it’s typically only required where you carry out or are liable for design work. This may be through in-house services or subcontracted designers under your umbrella.
2. What level of cover is appropriate?
That depends on contract value, scope of design, and client expectations. We’ll review your project profile and recommend a suitable limit (often €1m–€5m). Some public frameworks may stipulate a minimum.
3. What claims does PI typically respond to?
Examples include errors in structural layouts, fire safety miscalculations, or material specifications that fail regulatory standards. PI responds to financial loss claims — not physical site damage (which is covered by CAR).
4. Will my PI cover apply to subcontracted design work?
It can, but only if explicitly structured that way. Many contracts name the main contractor as liable. We’ll help ensure your policy matches your contractual exposure.
5. What documents are needed if a claim arises?
Typical documents include signed drawings, instructions, change orders, email correspondence, and design risk assessments. Keeping records is key — and we help you manage this.
6. Can I bundle PI with my other site covers?
Yes — bundling D&B PI with CAR, EL, PL, and plant cover often improves claims clarity and reduces admin. We’ll coordinate this for you.
7. Is ERM Financial Services regulated?
Yes. ERM Financial Services is regulated by the Central Bank of Ireland.