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Do You Still Need Insurance If You’re a Chartered Architect or Surveyor?
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SurveyorsInsurance
Surveyors Insurance
Professional indemnity cover built for surveyors, meeting the requirements of RICS-regulated firms.
Professional indemnity cover built for surveyors, meeting the requirements of RICS-regulated firms.
RICS-compliant PIValuation errorsSite visits
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Speak to a specialist 0330 027 0996
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What is surveyor insurance?
Surveyor insurance is a combination of covers built around inspecting and valuing property, professional indemnity for a survey or valuation that causes a client a financial loss, public liability for injury or damage on-site, and employers’ liability if you have staff.
If you’re regulated by RICS, professional indemnity insurance is a condition of your firm’s registration, with minimum cover levels set by RICS rules.
Surveyor insurance can include:
Professional indemnityEmployers’ liabilityPublic liabilityBusiness van insurance (separate policy)Business interruptionCyber insurance
Cover often bought alongside surveyor insurance
Professional Indemnity
Covers claims that a survey or valuation caused a client a financial loss.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Public Liability
Covers claims if you injure someone or damage property while surveying.
Business Contents
Protects your office, equipment and survey records.
Cyber Insurance
Covers costs following a data breach involving client financial data.
Does RICS require your firm to hold PI cover?
Does RICS require your firm to hold PI cover?
This is separate from your insurer, but it affects whether you can practise as a regulated firm.
This is separate from your insurer, but it affects whether you can practise as a regulated firm.
| Firm type | PI required? | What to know |
|---|---|---|
RICS-regulated firm | Yes, a condition of regulation | Minimum cover levels are set by RICS rules |
Chartered surveyor in practice | Yes, covered under your firm’s policy | Your firm’s registration depends on maintaining cover |
Working within an RICS-regulated firm | Covered under your employer’s policy | Check your employer’s policy covers your role |
Not RICS-regulated | Not mandatory, but strongly recommended | Clients may still expect to see proof of cover |
Top Tip
If you leave a firm to work independently, make sure you arrange your own compliant cover before taking on clients, you can’t rely on a previous employer’s policy.
How much does surveyor insurance cost?
There’s no fixed price. RICS minimum indemnity limits, fee income and the type of survey work you take on all affect what a surveyor pays.
Annual fee income
RICS minimum cover levels are often based on income.
Number of staff
More employees increase your employers’ liability exposure.
Type of survey work
Structural surveys can carry different risk to valuations.
Site visits
Regular property inspections can affect your public liability needs.
Level of cover
Higher indemnity limits increase your premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get surveyor insurance
How to get surveyor insurance
Getting surveyor insurance takes four steps: tell us about your practice, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting surveyor insurance takes four steps: tell us about your practice, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your practice
Your services, income and whether you have staff.
2
Choose your covers
Professional indemnity, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Surveyor insurance guides
Surveyor insurance guides
Practical advice on cover, RICS requirements and staying protected.
Practical advice on cover, RICS requirements and staying protected.
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Surveyor insurance FAQs
Surveyor insurance FAQs
Straight answers on cover, RICS requirements and cost.
Straight answers on cover, RICS requirements and cost.
Surveyor insurance is a combination of covers built around inspecting and valuing property: professional indemnity for a survey or valuation that causes a client a financial loss, public liability for injury or damage on-site, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.