Protecting clerk of works professionals from less than £55* per year
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Having insurance is crucial for clerks of works to protect themselves while inspecting construction sites and managing building projects. Our public liability insurance shields you against claims if someone gets injured or has their property damaged while you are working. For example, you could face liability if a site visitor trips over your toolbox that you left unattended.
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We’ve been providing insurance to businesses since 1984
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Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
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Clerk of works insurance protects professionals who regularly inspect building sites to ensure construction adheres to regulations, approved plans, and health and safety standards. It protects clerks against claims due to negligence in their inspection reporting that could lead to accidents or dangerous structural issues during and after projects.
This vital insurance covers the liability of clerks for:
Clerks of works who visit construction sites have immense responsibility. Developers rely on their expertise to identify risks, check quality, and confirm adherence to regulations through thorough inspections.
However, inaccuracies or oversights in reporting could contribute to accidents, injuries or perilous structural flaws that only come to light after contractors have left the site. Without adequate insurance, clerks risk substantial financial pay-outs if such incidents lead to negligence claims or demands for compensation from developers left with dangerous builds.
Our specialist public liability policies provide clerks with complete peace of mind that any injury, property damage or financial loss claims caused by inspecting oversights will be handled directly by the insurer. Professional Saver offers tailored clerk of works insurance starting from just £59* per year.
Get your no-obligation quote today and join hundreds of businesses we have already protected.
Our comprehensive clerk of works policies provide protection against:
We offer varying levels of cover with high policy limits based on each clerk’s specific site inspection responsibilities and liabilities. Our experienced team takes the time to explain all options in full detail so you get a policy meeting your professional needs and budget.
Our specialist clerk of works insurance packages are designed to provide protection for professionals including:
* Total number of live policies as of 31/10/2025
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
Clerks of works are especially vulnerable to public liability, professional indemnity and other claims because construction firms depend on their inspection expertise to meet safety standards and regulations on sites.
Flawed reporting leading to worker injuries from unidentified hazards or structural defects requiring expensive repairs after completion risks substantial payouts and legal disputes without insurance.
Our clerk of works insurance is designed to cover liabilities stemming from typical inspection activities, such as:
Yes – our clerk of works insurance can be extended to include cover for any temporary staff, freelancers or subcontractors who conduct site inspections under your business name. So if for example, a fire safety auditor you appoint overlooks flaws leading to an accident, our insurance helps cover any financial claims later pursued against your business as a result after construction completes.
Some examples of dangerous structural defects we would provide professional indemnity cover for include:
Our policies are designed to cover the extensive repairs required if major structural issues like these are not picked up during site inspections but cause problems later once buildings are occupied. This covers resulting financial loss claims from developers.
Yes – our clerk of works policies provide worldwide cover for temporary site inspection contracts abroad (excluding USA/Canada). So if you undertake a short-term role overseas inspecting builds, you remain protected by our public liability and professional indemnity covers. However, permanent inspector positions abroad may need specially tailored policies, so discuss your situation with our team.
Our policies provide ‘loss of documents’ cover if you accidentally misplaced key information like architectural plans, survey data, safety reports, photographs and other records needed for your inspections. This protects against financial implications if such paperwork gets lost or damaged. Always inform us immediately about lost documents.
