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RBCAs Professional Indemnity
Protecting your profession for over 30 years
Essential cover, built around you
Building control professionals play a pivotal role in creating a safe and sustainable built environment, both today and for future generations. But this also means firms and individuals face serious professional risks, every day.
This includes the threat of a civil claims, statutory exposure, and regulatory exposure. For trusted protection against these risks, it's important to source professional indemnity insurance (PII) from a specialist broking team with a deep knowledge of the building control industry.
We've been immersed in the construction and property sector for three decades. This includes guiding our building control policyholders (Registered Building Control Approvers) through PII renewals after significant changes introduced by the Building Safety Act 2022.
What does professional indemnity insurance cover?
PII is there to cover accusations of negligence or mistakes in your advice or services that have caused a client or third party loss or damage. This includes protection for costs and expenses associated with defending these claims.
We strive to provide a level of cover that's above the market standard. So our policies also include extensions covering you for:
- Regulatory action
- Criminal prosecution
Bear in mind there are standard exclusions and limitations within building inspector PII policies. We can run through these and answer any questions you have.
Do RBCAs need professional indemnity insurance?
If you're an RBCA, you must have suitable PII and only carry out work that you and anyone working for you is adequately insured for.
During the RBCA registration process in England and Wales, you’ll be asked to confirm you have policies for insurance and other operating processes and procedures. You’ll need to maintain this insurance and be ready to provide your insurance certificate to regulatory authorities, if asked.
You must also record and keep evidence of work activities for at least 15 years from the date of instruction, or as detailed in your insurance policies (if that’s longer).
Why RBCAs choose us
We're sector specialists
With one of the largest construction and property teams in the UK, we'll help you stay comprehensively covered and mitigate any future issues. We also provide a platform that lets your firm grow.
Quality cover you can rely on
We have exclusive agreements with insurance providers and a memorandum of understanding with a number of A-rated insurance carriers. This indicates financial strength and ability to pay claims.
In-house claims professionals, on your side
Our lawyers and senior claims specialists will be ready to guide you and work towards the best possible outcome, with the minimum disruption to your business. From initial notification to successful defence and settlement, we'll be there to support you.
Other ways we'll be here for you
Whether you're a single-owner businesses or a large consultancy, we can also offer:
Contract reviews
Help make sure your contracts are supported by insurance and are on reasonable terms with our review service. This includes appointments, collateral warranties, and other reliance documents.
Risk management expertise
Help minimise cover issues and reduce likelihood of claims through our advice and guidance. We also run workshops and round tables on risk management for the building control community.
UK-wide network
We're active and present in the communities you serve, with a local knowledge of your challenges. We’ll get to know how you operate and help insurers appreciate how you manage risk.
Knowledge sharing
Stay ahead of changes that impact business risk through insights, webinars and more.
When you buy cover through us, you’ll also get access to free business support. This includes legal, counselling and tax advice helplines.
RBCAs professional indemnity FAQs
Your broker is important to the PII renewal process – and even more so during times of regulatory and industry change.
You'll hear from us ahead of renewal, to help get your firm ready and shown in the best light. We’ll work closely with you, establishing your priorities and goals before we negotiate with insurers.
We’ve guided our policyholders through the transition period of the last few years, and continue to place complete and consistent cover to the building control community.
RCBAs are expected to have adequate and appropriate PII in line with the risks they face. The Building Safety Act 2022 removed minimum insurance requirements (which had previously been specified). There is also no longer a requirement for run-off cover to be included in the PII policy.
Our expert team is well placed to build cover around RBCAs’ risks, so you’re protected to the correct level.
Possible claims against RBCAs include:
- Issuing certificates despite work not complying with building regulations
- Failure to inspect works properly
- Breach of duty of care on quality of works
If you do face a claim, our in-house team will work hard to make the claims process as streamlined and hassle-free for you as possible.
Let's connect
Matt Baker
Tom Barney
