Is Design and Construct included within Public Liability insurance?
D&C professional indemnity insurance covers risks that public liability insurance does not.
Standard Public Liability insurance covers legal liability for injury to third parties or damage to third party property and will generally contain a policy exclusion for claims arising out of any advice, design or specification for a fee. Design & Construct professional indemnity insurance covers claims arising from advice, design or specification and is not restricted to legal liability arising from injury or damage, i.e. it covers legal liability for pure financial losses.