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Building systems representing professional indemnity insurance for building services engineers

Building Services Engineer PI Insurance

Professional Indemnity cover for building services engineers. Protection for integrated system design and multi-discipline coordination that makes buildings work.

$20M

Cover Available

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You coordinate the systems that make buildings function. When mechanical, electrical, and hydraulic designs don't work together, Professional Indemnity insurance protects you from claims that your coordination or integration failed.

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Integration Complexity

Building services must work together as integrated systems. HVAC, electrical, hydraulic, fire, and control systems all share space and interact. When coordination fails, clashes on site or operational conflicts create significant claims. See all engineers insurance to understand how PI cover works across engineering disciplines.

Multi-Discipline Exposure

Building services engineers often carry responsibility across multiple engineering disciplines. This breadth of scope creates aggregate exposure greater than any single specialty, and requires comprehensive PI coverage that reflects your full scope of work.

WHY TANK INSURANCE

What to look for in PI cover

Building services engineering spans multiple disciplines with complex integration requirements. We work closely with building services engineers to understand their scope, then access specialist underwriters to arrange coverage that addresses both individual system design and coordination liability.

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01

Multi-Discipline Coverage

We work to make sure your policy covers all the engineering disciplines you practice - mechanical, electrical, hydraulic, fire - not just a single specialty.

02

Coordination Liability

Services coordination creates specific exposure beyond individual system design. Your policy should address claims arising from integration and coordination failures.

03

Aggregate Limits

Multi-discipline practices need limits that reflect aggregate exposure across all services. We help you select appropriate coverage for your full scope.

04

EA Compliance

Your policy should meet Engineers Australia requirements across all your areas of engineering practice and registration.

PROFESSIONAL RISKS

Risks Building Services Engineers Face

These integrated system design and coordination decisions carry professional liability when building services don't work together as intended.

Integrated systems not performing together as designed
Services coordination clashes discovered during construction
Building energy performance not meeting sustainability targets
BMS specifications failing to deliver control functionality
Fire services integration issues affecting life safety
Electrical and mechanical design conflicts
Commissioning failures leaving systems underperforming
Service riser sizing inadequate for building requirements

Modern buildings are complex systems of systems. PI insurance protects you when integration between those systems fails.

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COVERAGE DETAILS

What Building Services Engineer PI Insurance Covers

Professional Indemnity insurance for building services engineers covers claims arising from your multi-discipline design, system integration, and coordination services.

Commercial building representing building services engineer PI coverage
Commercial building representing building services engineer PI coverage

Usually Covered

✓ Legal defence costs when services designs are challenged
✓ Claims for services coordination clashes and conflicts
✓ Integrated system performance failures
✓ BMS and controls specification inadequacy
✓ Energy and sustainability target failures
✓ Multi-discipline design errors across all services

Not Typically Covered

✕ Installation workmanship failures (contractor's liability)
✕ Deliberate design non-compliance with codes
✕ Known coordination issues not disclosed at policy inception
✕ Equipment product failures (manufacturer's liability)
✕ Physical damage during site work (Public Liability)
✕ Maintenance failures after handover (owner's responsibility)

Building services claims often involve multiple system interactions. We help you understand coverage across your full scope of services.

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QUESTIONS

Frequently Asked Questions

Building services engineering PI insurance covers claims arising from your integrated design of mechanical, electrical, hydraulic, fire, and other building systems. If your multi-discipline coordination or system integration fails, PI insurance protects you from professional negligence claims.
Building services engineers often coordinate multiple disciplines or provide integrated design across mechanical, electrical, and other systems. This creates additional coordination liability beyond single-discipline exposures. Your policy should cover both your technical design work and your coordination role.
Services coordination failures - clashes between disciplines discovered on site - are common claims. Integrated systems not performing together, BMS functionality failures, and buildings not achieving energy targets also generate significant claims.
Cover of $2M-$20M is typical for building services engineers. Multi-discipline practices with significant coordination responsibility may need higher limits. The aggregate exposure from multiple system types can be substantial.
Yes, BIM coordination for building services is typically covered by PI insurance. If your 3D coordination fails to identify clashes or integration issues, claims can arise. Speak with us about how your policy should be worded to cover your coordination scope.

PI Insurance for Building Services Engineering

From individual system design to multi-discipline coordination, we arrange Professional Indemnity cover that protects building services engineers from claims across all their areas of practice.

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