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.

Trusted cover

Join around half of the RBCA community protected through us

Adaptable approach

We've placed over £3m in PII premiums for RBCAs since the new regulations

Expert claims

30+ in-house legal, technical and claims experts, ready to support

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).

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Reaching renewal?

Get a free, confidential, and full review of your current insurance

Do you have an existing policy with Howden?

Got a question or query? Give us a few details in the box below and we'll get back to you. 

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

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.

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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.

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Ready to go?

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Please provide us with a few details so we can get the right person to contact you

Contact name
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What insurance are you interested in? Please select all that apply. 
What insurance are you interested in? Please select all that apply. 
Business name
Business address
Annual gross fee income
Total number of staff
Estimated annual wage roll
If you would like a quote for Office and Contents insurance, please let us know the estimated value of the contents
We are able to provide competitive quotes for Business Contents insurance. Please provide an estimated value of your office contents
Date established
This is the date your business was incorporated or the date you started trading
Professional Indemnity Insurance renewal date
Do you undertake any survey or/and valuation work for lending purposes?
Have you had any claims in the last 5 years?
Do you have an existing policy with Howden?

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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

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Matt Baker

Divisional Director
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Tom Barney

Sales Executive