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Reading the risk
For: Contractor with design responsibility
We couldn't tell the trade from that, so these are the broad commercial markets. Add the trade and the class of cover for a sharper list.
What underwriters will focus on
Contractor with design responsibility: consider contractors’ design-and-construct PI alongside EL, PL and CAR; CAR and PL do not replace PI. Underwriters will focus on the design scope, subcontracted design, contractual liabilities and any cladding or fire-safety work.
Where to start
QBE UK Limited; QBE Underwriting Limited Source
Quote online (own portal) · Own portal: FastFlow Source
Travelers Insurance Company Limited Source
Quote online (own portal) · Own portal: MyTravelers Source
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We found 120 UK markets that write contractor with design responsibility risks: 32 insurers, 85 MGAs and 3 Lloyd's markets. Commonly listed: QBE, Travelers.
Liability policies usually exclude design faults, so the design element needs separate professional indemnity. Underwriters want the proportion of turnover involving design, who signs it off and whether fitness for purpose wording is accepted.
contractor's designed portion, CDP, specialist design subcontractor, design liability contractor