Professional indemnity insurance broker for engineers in the UK
A specialist professional indemnity broker for engineers places cover that matches the discipline, satisfies the Engineering Council-licensed institutions' expectations, holds up under a collateral warranty enforced by a downstream owner, and understands what section 135 of the Building Safety Act 2022 has done to the run-off calculus. Structural, civil, mechanical, electrical and building-services engineers each carry a different risk profile, and a generalist broker who prices them as one commercial risk will place cover that fails when it is tested.
Why the regulator's rules matter to the broker choice
Engineering in the UK is regulated through the Engineering Council and the professional institutions it licenses, including ICE (civil), IStructE (structural), IMechE (mechanical), IET (electrical and electronic), CIBSE (building services), and others. Each institution's Rules of Professional Conduct or code of ethics requires practising members to maintain professional competence and reasonable safeguards, which in commercial practice means holding PI cover appropriate to the work. Consulting engineers commonly work through firms holding ICE Firm Membership or similar practice-level accreditation, which brings additional expectations.
Section 135 of the Building Safety Act 2022 extended the limitation window for Defective Premises Act claims to 30 years for pre-completion accrued claims and 15 years for post-commencement claims. That has affected every discipline involved in building design, from structural through to services engineering, and has driven insurer appetite in the higher-risk building segment. A specialist broker treats BSA exposure as a base variable in every submission.
What a specialist broker actually does differently
Wording review is the first difference. Engineers' PI wordings differ in how they treat design responsibility under a design-and-build contract, cladding and fire safety exposure, contamination and pollution work, and cross-discipline coordination roles. A specialist reads the wording before binding, checks how it responds to collateral warranties, and flags any exclusion that narrows cover in a way that matters to the firm's project mix.
The second difference is submission quality. Under section 3 of the Insurance Act 2015 the firm owes a duty of fair presentation. A specialist broker structures the submission around fee split by discipline, project types with a focus on higher-risk buildings under the BSA regime, involvement in cladding remediation or fire safety review work, contract type (particularly D&B versus traditional), and historic circumstances by project category. That is what a specialist engineers' underwriter needs to price.
The third difference is claims and collateral warranty handling. When a downstream owner pursues a claim on a warranty rather than under the primary appointment, the broker's grip on the wording matters more than at any other point.
The signs a broker is not a specialist in engineers' PI
Ask the broker how the wording responds to a claim brought under a collateral warranty by a purchaser rather than the original client. Ask how it treats a design-and-build engagement where the firm is a sub-consultant to the contractor. Ask about cover for cladding, fire safety and higher-risk buildings under BSA. Ask what happens to run-off exposure given the extended limitation period under BSA s.135. Ask how the wording responds to a fitness-for-purpose obligation inadvertently accepted in a project appointment.
A broker who cannot answer without leaving the room is not a specialist engineers' broker. A specialist knows how the wording responds because they have negotiated on those points already this year.
How Apex handles engineers' PI
Apex is a named-broker firm. A director-level broker owns the placement, reads the wording, structures the submission for fair presentation, and represents the firm to the underwriter. Around 95 per cent of our clients renew with us year on year, which is our internal measure of whether the approach is working.
We are authorised and regulated by the Financial Conduct Authority (firm reference number 724952) and hold professional indemnity cover in line with MIPRU 3. We place engineers' PI across Lloyd's syndicates and specialist company markets that write the discipline mix the firm actually carries, matching limit and excess to the project profile and to the exposure the BSA regime creates. Submissions are structured to give the underwriter what they need to price accurately, and terms come back with a written note on any endorsements or exclusions.
Talk to a specialist
Want a specialist PI broker for engineers? A named broker reads every submission and comes back with terms within one working day.
What might your PI premium look like?
A guideline range built from the premiums insurers have actually quoted on risks we handle. Pick your profession and enter a few details — it updates instantly.
Choose your profession and enter your fee income to see a guideline range.
How these figures are produced
This guide is built from Apex's own market data: the premiums insurers have actually quoted and charged on professional indemnity risks we have handled. Each night that data is aggregated into anonymised rate bands by profession, fee income and limit of indemnity. No client information is published — a band only appears where it contains at least five separate records, and unusually high premiums are excluded so a single atypical risk cannot distort the guide.
The range shown spans the typical spread of recent market outcomes for similar risks. Individual quotes can fall outside it in either direction. Figures exclude insurance premium tax at 12%.
This calculator is not a quote and is not an offer of insurance or advice. Your actual premium depends on full underwriting of your business, including your activities, claims record and insurer appetite at the time.