Design & Construct Insurance.

Design and Construct Insurance (also called Builders PI) protects you if a client claims they lost money because of your professional advice, design services, or project management.

While Public Liability covers physical damage or injury (e.g., a wall falls on a car), D&C Insurance covers financial loss (e.g., the wall was designed incorrectly and has to be rebuilt).

If you draft plans, modify designs, or manage sub-consultants, you need Design and Construct (D&C) Insurance. This policy protects your business against claims of financial loss caused by design errors, incorrect specifications, or professional negligence.

You typically need this if you:

• Draft your own designs or amend plans.
• Hire consultants (engineers/architects) but take responsibility for their work.
• Provide advice on materials or construction methods.
• Are required by contract (D&C contract) to hold Professional Indemnity.