Public liability
Do I need Professional Indemnity too?
If you give advice, designs or specifications, the answer is probably yes.
Professional Indemnity covers you if your advice or design turns out to be wrong and costs your client money.
Public liability covers physical things going wrong. Professional Indemnity covers professional judgement going wrong.
Trades that usually need it
- Architects, surveyors, structural engineers
- Designers, consultants, project managers
- IT consultants, web developers
- Anyone whose deliverable is mostly advice or a plan, not a physical job
Trades that usually don't
- Trades doing purely physical work to spec (most builders, plumbers, electricians, decorators)
Still stuck? Broll-e or the team will sort you out.