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Protecting quantity surveyor’s from under £55* per year
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Quantity surveyor insurance covers the profession that puts numbers on other people’s risk. Cost plans, valuations, final accounts and payment certificates are all relied on by clients and contractors with budgets at stake, and when a number turns out wrong, under-measured, over-certified, mis-priced, the loss arrives with your name attached. Professional indemnity insurance leads the policy for exactly that reason.
Professional Saver insures quantity surveyors from £55* a year, with public liability as standard and professional indemnity scaled to the contracts you price. Quote online in five minutes; documents arrive the same day.
Professional indemnity insurance answers for the numbers, which is why professional indemnity insurance for quantity surveyors is the search most QSs actually start with. If a client claims your cost estimates, measurement or certification caused them financial loss, an under-estimated build cost, an over-certified interim payment, a final account that unravelled, professional indemnity insurance pays the compensation and the defence costs. Construction disputes lean heavily on experts and lawyers, so even claims that fail are expensive to answer; that defence funding is half the point of the cover. Keep PI insurance continuous, because a certified account can be challenged long after practical completion; a claim made years later only lands on a live policy, and run off cover carries the tail when a practice winds down.
Public liability insurance covers the site half of QS life: an injury or property damage during site visits, measurements and inspections. Public liability insurance comes as standard at £1 million, with options up to £10 million where main contractors’ site terms demand more.
Business contents and equipment cover protects laptops and survey kit (£100 excess), legal expenses is included as standard, and employers liability insurance joins when the practice takes on staff, as the law usually requires. (We don’t sell standalone cyber insurance; professional indemnity cover can pick up some data-related claims.) If your firm is RICS-regulated, note that RICS sets its own professional indemnity requirements under the charter; check any policy against them before relying on it.
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Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer
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.
Employers Liability Business Contents & Equipment 
Personal Accident Short Term Income Protection Professional Indemnity* * Due to the specialist nature of your profession, we’ll arrange a separate policy for your professional indemnity cover to complement your Professional Saver policy. Please get a quote online for the other covers you need and contact us to discuss your personalised professional indemnity quotation.
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Because your product is a number someone budgets on. A cost plan that misses the mark reshapes a client’s project finances, and the gap between estimate and outturn is fertile ground for professional negligence claims, fair and otherwise. Insurance for quantity surveyors exists to fund that argument.
Because certification carries legal weight. Payment certificates and valuations sit inside contractual machinery; getting one wrong can put you between an employer and a contractor who now disagree with each other and with you.
Because appointments demand it. Clients, frameworks and main contractors name required PI levels as a condition of appointment, and the certificate belongs in the tender pack alongside the fee proposal.
From £55* a year for the base insurance policy, with professional indemnity the main variable: the value of the projects you price, the level of cover your appointments require, and your claims history. An independent QS on residential extensions and a practice pricing commercial developments sit at different ends of the range, and the quote shows the difference in about five minutes, itemised, with monthly instalments available.
A QS spends a career being exactly right about other people’s money. Get a quantity surveyor insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and let the policy carry the one number you shouldn’t have to estimate: the cost of being wrong.
* 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 Whatever your appointments say, and then a sense-check against project values: the exposure on a mis-priced scheme is the client’s loss, which scales with the build cost rather than your fee. £1 million is the common floor; larger commercial appointments name more. The limit can rise at renewal as the project book grows.
Describe it when you quote: expert witness work, adjudication support and claims consultancy have their own risk profile, and the policy shapes to the mix you actually do. The habit of precision serves twice here, once in the work and once in the cover.
Yes; public liability follows you onto site, and main contractors often require proof at stated limits before access. Both certificates, PI and PL, come from the same policy here, which keeps the appointment paperwork short.
Different questions about the same buildings. Building surveyors answer “what condition is it in?”; quantity surveyors answer “what will it cost?”, and the claims follow the questions. Practices that do both should quote for the mix.
