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Architects, Engineers, and Construction Professionals need professional indemnity insurance to protect against allegations of negligence, errors, or omissions in their work. It covers legal costs and compensation, ensuring financial security and professional credibility if a client suffers loss due to design mistakes or errors in advice. This insurance is essential for regulatory compliance and client trust.
Example
A client alleges that a design or specification you provided for a project was flawed, resulting in structural issues and financial loss. They sue you to recover the costs of rectification and associated damages. Your PI insurance policy will cover the legal expenses to defend you, and will also cover any compensation or damages awarded to the client if the claim is upheld.
Public liability insurance protects Architects, Engineers, and Construction Professionals against claims from third parties for injury or property damage arising from their professional activities. It covers legal costs and compensation. This insurance is particularly important for site visits, client meetings, and compliance with contractual or regulatory obligations.
Example
While inspecting a construction site, a visitor trips over equipment you were using and suffers a serious injury. They sue you for damages. The policy will cover the legal costs to defend you, and if you are found to be negligent, will cover the compensation awarded to the third party.
Business insurance protects Architects, Engineers, and Construction Professionals against financial loss from damage to office property, theft, or events like fire or storms. It can also include business interruption cover, helping maintain income during downtime. This insurance is essential for safeguarding physical assets and ensuring continuity of operations in the face of unexpected disruptions.
Example
Your office is burnt down from an electrical fire. Business insurance covers the cost of replacing equipment and repairing the premises. It also includes business interruption cover, compensating for lost income while the office is closed and operations are restored.
A wide variety of Engineering disciplines are covered, including: Acoustic Engineering, Civil Engineering (Non Structural), Electrical Engineering, Electronic Engineering, Fire Protection Engineering, Heating, Ventilation & Air-Conditioning Engineering, Mechanical Engineering, Safety Engineering, Traffic Engineering, Construction Managers, Project Managers for Construction Projects, Structural Engineering.
A variety of other professions related to construction design are also covered: Architects, Interior Designers, Landscape Architects, Town Planners. The policy also covers Feasibility Studies and Expert Witnesses.
Your Certificates of Currency for each Insurance Policy will be emailed to you within minutes of payment being processed. If you pay online, you should receive your Certificates almost immediately. Other documentation, such as invoices, policy schedules, and policy wordings will be emailed at the same time.
This varies per policy. Complete the quotation form to see what information is required from the Insurer(s) to calculate the premiums.
Your Insurance policy is arranged by Express Insurance acting as agent of CGU Professional Risks, CGU Australia Pty Ltd (ABN 62 004 478 960, AFSL 700014) trading as CGU Insurance.
CGU is part of the IAG Group, Australasia's leading general insurance group and an ASX Top 50 company. IAG's businesses underwrite approximately $7.8 billion of premium every year and employ 15,000 people worldwide.
CGU is one of Australia's largest intermediary-based general insurers, providing insurance to Australians for almost 160 years. They Insure in excess of three million policies in total, including over 500,000 Australian homes and one million private motor vehicles.
To underpin the long-term stability of their business, CGU holds capital over and above that required by Australia's Prudential Regulator (APRA).
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