Professional indemnity insurance PII
I would like to add that when choosing a provider for your premium, make sure you speak to the company and try to gauge their knowledge and understanding of the architecture and construction industry. It makes a huge difference if you ever need to make a claim, as a company who are experienced within this field will be a better fit than a provider who specialises in medical indemnity, for example.
Things you need to do
-Every time there is a possible breach you need to notify your insurer there may be a claim against you
-Excessive notifications may impact on the premium but a failure to notify is likely to be more money (you may not be covered)
-Any written warning or threat of being sued must be notified to the insurer.
-If the value goes up or down in the project must notify the insurer (if you're insured per project)
-Make sure sub-consultants have adequate PII coverage, ‘back to back’ with the obligations in the contract.
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