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Engineers professional indemnity market report 2026
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Keep up to date on a changing market
The professional indemnity insurance market is in a soft phase, with increased capacity, renewed competition and noticeably smoother renewals for many firms.
Yet, engineers face new and complex pressures. Evolving legislation is reshaping responsibilities, liability periods are extending, contractual terms are tightening and new claims risks are emerging.
Our annual report cuts through the complexity, giving you a clear view of the developments shaping the engineering landscape. It's designed to help strengthen your risk position, so you can make informed decisions that protect your firm.
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In this report, you can explore
2025 market trends
2026 market forecast
Claims update
Legislation update
Contractual obligations and PI limit trends
Future claims risks to prepare for
PII rates have fallen faster than ever before
There has been a noticeable increase in capacity and appetite from insurers showing that both brokers and insurers are highly motivated to win new business. Many firms are now experiencing double‑digit premium reductions across engineering classes.
Claims are stable, but complexity is rising
Claims remain consistently steady with no specific hikes in notifications. The most common cause of claims against engineers continues to centre around alleged defective design.
Changing legislation is reshaping liability
The sector is still coming to terms with the additional duties, roles and responsibilities imposed by the Building Safety Act 2022 and supplementary legislation.