Why do you need design and construction insurance?
What cover is included in insurance for design and construction professionals?
At Hiscox, we cover a wide range of design and construction businesses. We sell different business insurance products to each. Exact cover availability will depend on the type of work you do. If you have questions about what’s available to you, get in touch.
Certain design and construction firms may also require employers’ liability insurance if the business has staff.
If you’re not sure what you need, tell us a little more about your design and construction business. We’ll help you to build your quote and explore any other insurance needs.
Build my coverInsurance for design and construction: FAQs
How do I know how much design and construction insurance I need?
The amount of insurance cover you need depends on factors such as the scale and value of planned projects, staff numbers and the type of work you perform.
For instance, if you deliver big projects for high-value clients, then your mistakes could come with higher penalties, so you may require more professional indemnity cover than a sole trader.
How much does design and construction insurance cost?
The cost of design and construction insurance depends upon the covers you select as well as the amounts you require of each. Hiscox business insurance costs start at just £7.85 per month* and are determined by factors such as cover limits – the maximum amount we’ll pay in the event of a claim.
With Hiscox, you can build custom cover, pay monthly or cancel with no fees. This means we’re there to support your construction firm as it grows and adapts.
*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2025 and January 2026.
Why is design and construction insurance important?
No level of expertise or preparation can eliminate business risks, so design and construction insurance acts as a safety net for unforeseen errors and problems.
If you provide inaccurate technical drawings or survey results, for example, it could lead to compensation claims over negligent services.
Therefore, insurance tailored with professional indemnity cover can help to safeguard against such instances.
Related articles and guides
What business insurance does a sole trader need?
A sole trader working in design and construction may have slightly different needs to a business owner. Identify what could affect cover with our sole trader insurance FAQ.
The difference between the self-employed and sole traders
Self-employed construction professionals are not the same as sole traders. Learn the difference, and what it means for your insurance, with our explainer.
What is a business asset?
Discover what a business asset is and ensure you know how to help protect what your company owns.