Commercial PI
Professional indemnity for advice-led firms.
Our professional indemnity practice works across a broad range of advice-led sectors, with particular depth in construction and engineering. We place both domestic and international risks, combining technical underwriting experience with adaptable capacity.
Specialist placement for professional risks
Our PI team has many years of experience with complex professional risks and access to capacity from B+ to A-rated carriers. We can arrange cover on a direct or reinsurance basis, which gives real flexibility in how a programme is put together.
Every submission is reviewed on its own merits, with detailed attention to exposure, terms and the quality of the information presented. Where a risk has been declined elsewhere, we will tell you quickly whether we think it is placeable and on what basis.
Recent placement shapes
Construction firms with cladding exposure, managed through customised conditions and deductibles rather than blanket exclusions.
Large international engineering groups placed via reinsurance of local carriers or captive insurers.
Direct, practical decisions
Submissions are reviewed and answered by the same people, which keeps the process straightforward and avoids unnecessary delay.
We focus on well-structured, technically sound risks and aim to build enduring relationships with brokers and cedants who value clarity, responsiveness and consistency.
Excess layer professions may also be placed on a primary basis where the programme is arranged as international reinsurance.
What we place under Commercial PI.
Professions considered — primary
- Design and Construction
- Engineering
- Technology
- Miscellaneous professions
Professions considered — excess layer
- Accountants
- Architects
- Insurance Brokers
- Independent Financial Advisers
- Surveyors
Capacity and appetite.
Capacity
Up to GBP 5m (or currency equivalent) per placement, with larger limits built by layering.
Features & benefits
Professional indemnity insurance and reinsurance. Appetite for complex and hard-to-place risks, with options for single project PI and extended policy periods.
Placement structure
Direct placement or facultative reinsurance, following the underlying coverage across primary and excess layers.
Appetite
Complex or non-standard professional indemnity risks, including construction and engineering exposures, domestically and internationally.