Modern building representing professional indemnity insurance for fire engineers

Fire Engineer PI Insurance

Professional Indemnity cover for fire safety engineers. Protection for life-safety decisions and performance solutions that protect buildings and occupants.

$20M

Cover Available

Life

Safety

Performance

Solutions

Recognition

Industry Awards

Your engineering protects lives. Fire safety performance solutions and egress designs are tested in emergencies you hope never happen. Professional Indemnity insurance protects you when your engineering is scrutinised.

Life Safety Liability

Fire engineering is fundamentally about life safety. Your calculations determine evacuation times, fire resistance requirements, and smoke management. When lives are at stake, the professional liability is among the highest of any engineering discipline.

Performance Solutions

Alternative solutions under the NCC/BCA create specific exposures. You're certifying that your engineered solution achieves outcomes equivalent to deemed-to-satisfy provisions. If that solution fails or is rejected by authorities, significant claims can follow.

WHY TANK INSURANCE

What to look for in PI cover

Fire safety engineering carries exposures that demand specialist understanding. We work with insurers experienced in engineering professional liability and understand the unique risks fire engineers face.

Building construction representing fire engineer professional liability

01

Life-Safety Understanding

We work with insurers who understand the critical nature of fire engineering, the life-safety implications and the scrutiny that follows any fire incident.

02

Performance Solution Cover

Alternative solutions and performance-based designs create specific exposures. We work to confirm your policy covers claims arising from BCA alternative solutions and engineered fire safety.

03

Adequate Limits

Fire engineering claims can be substantial - rectification of fire safety deficiencies, investigation costs, and potential injury claims. We help you select limits that reflect actual exposures.

04

Regulatory Defence

Fire engineering often involves engagement with fire authorities and certifiers. We work to confirm your policy covers defence costs for regulatory challenges and investigations.

PROFESSIONAL RISKS

Risks Fire Engineers Face

These fire safety engineering decisions carry professional liability that can crystallise when fires occur, or when fire authorities challenge your solutions.

Fire safety engineering solutions that fail in actual fires
Performance solutions that don't achieve required outcomes
Egress designs inadequate for actual occupant loads
Fire compartmentation failures allowing fire spread
Smoke management systems underperforming in emergencies
BCA alternative solutions rejected by certifiers or authorities
Fire detection and alarm specifications proving inadequate
Structural fire protection underspecified for actual fire loads

FROM THE MARKET

Fire Engineer PI in Practice

Real quoting scenarios from fire engineering PI placements. What the market covers, what it excludes, and why the right advice before you need to claim matters.

COVERAGE DETAILS

What Fire Engineer PI Insurance Covers

Professional Indemnity insurance for fire engineers covers claims arising from your fire safety design, performance solutions, and BCA compliance advice.

High-rise building representing fire engineer PI coverage
High-rise building representing fire engineer PI coverage

Usually Covered

Legal defence costs when fire engineering is challenged
Claims following fire incidents where design is questioned
Performance solution rejections by certifiers or authorities
Egress design allegations after evacuation difficulties
Fire safety system specification failures
Structural fire protection underspecification claims

Not Typically Covered

Deliberate non-compliance with fire safety requirements
Known deficiencies not disclosed at policy inception
Installation failures by contractors (their liability)
Criminal prosecution (separate legal representation)
Physical damage during site inspections (Public Liability)
Fines or penalties from regulatory bodies

QUESTIONS

Frequently Asked Questions

Fire engineering involves life-safety decisions. Your designs and performance solutions directly affect whether occupants can safely evacuate during fires. If a fire results in injury or death and your engineering is questioned, the claims and consequences can be severe. Having adequate PI insurance in place is strongly recommended.
Performance solution failures are among the more common claims - alternative solutions that certifiers reject, fire safety systems that don't perform as designed, or egress capacities that prove inadequate. Even when no fire occurs, rectification of fire safety deficiencies can cost millions.
Cover of $2M-$20M is typical for fire engineers. Given the life-safety nature of fire engineering and potential claim values, higher limits are worth considering. Projects involving alternative solutions or complex buildings may require more substantial cover levels. A broker can help you assess the right limit for your practice.
Generally yes. When certifiers reject your fire engineering solutions and clients suffer delays or additional costs, PI insurance can cover claims arising from your professional advice. Defence costs for disputes with certifiers and authorities are typically covered, though policy terms vary.
PI insurance covers claims alleging your fire engineering was negligent, whether or not a fire occurs. If a fire event leads to investigation of your design and allegations of professional negligence, the policy responds to fund defence and any liability, subject to policy terms.

PI Insurance for Fire Safety Engineering

From performance solutions to fire safety strategies, we arrange Professional Indemnity cover that protects fire engineers from claims when life-safety decisions are questioned.

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