Design & Construct Insurance

OBF has a long history of providing professional indemnity insurance cover for companies and individuals involved in the design and construction stage of building projects. We pride ourselves on the expertise and experience of our team, who will always find the right policy for each and every one of our customers.

Key Features

  • Free independent advice.
  • Experienced and dedicated team.
  • Access to domestic and UK markets.
  • Broker to broker facilities available.

Key benefits

  • Policy covers your legal liability during the design and build phase of the project.
  • Wide range of indemnity limits available.
  • Various excess options.
  • Standard cover includes: Libel, Slander and Dishonesty.
Trusted Experts for Over 50 Years


The recent increase in the prevalence of design and build jobs has led to building and engineering contractors becoming increasingly exposed to design liability. This is often because they have in-house design services or because they subcontract out the design element of a project but still have contingent exposure.

This type of professional indemnity insurance is intended for designers, consultants and subcontractors involved in all different aspects of designing and constructing a project. It is more and more common for clients to insist that everyone involved in a contract carry their own insurance cover, even if a contractor is doing little or no design work.

To obtain a quote for any of our design or construction insurance policies, you must submit a completed proposal form. Please download the form and submit to us and one of our experienced team members will be in touch.

  • Top Tip #1

    Check the design, make sure it works. Failure to do so could lead to problems.

  • Top Tip #2

    Even if a contractor has no design or professional supervisory responsibility, they may have a duty to warn the client if they become aware of a design defect.


  • Q: I am a contractor who does no design, why should I take out the cover?
    A: As a contractor you may adjust the design given to fit the actual work. On that basis you have contingent exposure.
  • Q: Who should have Design and Construct insurance in place?
    A: Engineers (Mechanical/ Electrical/ Heating/ Ventilation & Air Conditioning), Construction Design Management, Contractors, Quantity Surveyors.