Wide access to market
As an independent specialist, our recommendations are based solely on your firm’s best interests; not tied to any single insurer or network.
Independent advice. Uncompromised service.
Dedicated Account Manager
Direct access with one-to-one assistance from a specialist, not a call centre.
Dedicated Claims Advocacy
Our in-house claims support team handles notifications, liaises with insurers and guides clients, providing reassurance when it matters most.
Trusted coverage for Engineer professionals
The term Engineer encompasses so many different activities that Engineer’s PII is a difficult concept to pin down. To start with there is the simple distinction between engineers who “design, advise, specify” and those who “build or make”. For the latter, please refer to the Design and Construct section of this site. For the former, loosely termed “Consulting Engineers”, read on.
PI cover for engineers focusses largely on the construction industry and ranges from those with roles that are seen as the highest risk (such as civil and structural engineers) to those with roles which are generally viewed as lower risk (such as heating and ventilation and electrical engineers).
Unlike some other professions who mandate PI insurance the Engineering Council do not and whilst some of the engineering institutions require that their members maintain “appropriate” cover there is no definition or set standard and as such the PI cover available varies significantly. It is also evolving as the cover available adapts to accommodate new risks such the increasingly complex world of building regulations in a post-Grenfell era and cover for fire safety related claims.
What does professional indemnity insurance cover?
Aside from the core cover provided in respect of claims payments, the PI policy will provide cover for the Insured firm’s own costs in investigating and defending themselves against claims and these professional and legal costs are often significant and, even where a claim is successfully defended, there is no guarantee that such costs can be recovered.
Claims are also likely to arise under a range of contracts the engineer may have signed with various parties, from Appointments with their clients, to collateral warranty and novation agreements given in favour of others in the chain. It is common for such contracts to require the engineer to maintain a certain level of professional indemnity insurance.
With the diversity of engineering disciplines and the cover available within the insurance market it is important not just to look at the individual details and requirements of the firm but also at the appetite of the potential insurers, to ensure a good match in terms of the cover available and pricing.
Insurers tend to specialise in certain professions and so when it comes to those engineering disciplines that sit outside the construction industry it is more important than ever to have access to a large number of insurers.
At Juno, we pride ourselves on having broad access to market. Coupled with an understanding of the unique risks and the constantly evolving legal framework, we have the tools necessary to find the right PII policy for those both inside and outside the construction industry.
How we arrange competitive PII
Whatever the size or type of firm you are, our dedicated broker and client manager teams will work closely with you to ensure we have a comprehensive understanding of your particular risks and circumstances.
In addition, we provide advice and support during the renewal process; a full market review to ensure your quote is tailored to match your exact needs so your firms secures the best premium and terms with the most suitable insurer.
Approach
We start by understanding our clients and by helping them to understand how the PI insurance market works. The best chance of securing competitive terms revolves around a high–quality presentation which shows the prospective Insured firm in the best light and highlights quality and risk management attributes
Broking
We then match the risk to potential insurers. Different PI insurers have different appetites. It is a waste of time and possibly damaging to a firm’s insurance prospects to simply market to everyone. Instead, we filter out poor matches and focus on those insurers who are most likely to offer the best combination of cover and price
Claims
When the worst happens, we have a dedicated claims team, in addition to each client’s own individual account manager, who will actively engage with Insurers to achieve the best outcome. Claims can cause havoc in terms of cost, stress and distraction and we will do everything we can to secure a satisfactory resolution in the quickest time possible. Most importantly we will advocate for our clients by challenging insurers where necessary and interrogating the exact cover provided by a policy wording which is often complex and nuanced.
Get in touch today and explore your options
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