Surveyor insurance
Join over 900k UK customers (including over 1,700 surveyors like you) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need surveyor insurance?
From first enquiry to final invoice, the expertise you apply to every project gets you referred time and again. We provide professional indemnity insurance for surveyors right across the UK, on all sorts of contracts, chartered and non-chartered. That, plus employers’ liability insurance, if you need it, and public liability cover for third party injuries and property damage.
If you’re a chartered surveyor, professional indemnity insurance is usually mandatory.
- surveyors’ PI insurance – just buy the PI or combine it with other covers
- tools, accident and employee cover – you choose what you need
- £50,000 to £5 million surveyors’ professional indemnity insurance
What does surveyors insurance cover?
When it comes to professional indemnity insurance, surveyors often look for specific aspects to build the right policy. Our cover includes protection for negligence – for example if a client claims you’ve delayed a project or let professional standards slip – breach of confidentiality, defamation and intellectual property infringement. You can also choose to add cover for other risks, like a public liability claim.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
How much does surveyor insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example surveyor quotes, real prices
![](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/maltings.webp?w=100)
£9.39 /month
£73.92 /year
A self employed building surveyor working in the local community
- 3-4 years’ experience
- Sole trader
- No employees
- Based in Swindon
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
£250,000
![](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/maltings.webp?w=100)
£159.53 /month
£1,418.01 /year
A small quantity surveying business with contracts over £500,000
- 5+ years’ experience
- Limited company
- 3 employees
- Based in Cambridge
Public liability
£5,000,000
Employers’ liability
£10,000,000
Professional indemnity
£1,000,000
How we work out example quotes These examples are real quotes from our online system (created 05/03/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Business and office equipment | £50 | £750 |
Tools | £60 | £500 |
Employers liability | No excess | No excess |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having surveyors’ insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Tom saved more than £3,000
After finishing a project, Tom (not his real name) received a letter from his client, alleging that inaccuracies in his drawings have caused £3,000 of extra work. The surveyors’ professional indemnity insurance in his policy helped cover the client’s claim for negligence.
Insurance payout
£3,000
Covering the cost of professional indemnity
Insurance payout
Covering the cost of professional indemnity
Covering the cost of professional indemnity
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Surveyor insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about surveyor insurance. You can also check out our business insurance FAQs.
This will depend on the type of work you do, specific contracts and your membership or accreditations with certain organisations like the Royal Institution of Chartered Surveyors (RICS).
Simply Business offers between £50,000 and £5 million in PI insurance for surveyors, so if anything changes and you need to adjust your cover, make sure you let us know before taking on a new contract.
In general, most chartered surveyors will require professional indemnity (PI) insurance – certain organisations and memberships will also make PI cover mandatory too, often at a specific level or amount of cover.
This is because professional indemnity insurance claims can be extremely expensive, and many firms wouldn’t have funds ready to cover a claim, if it arrived. PI insurance is designed to protect you against claims for negligence, breach of confidentiality, intellectual property infringement and defamation, amongst other loss-causing errors.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions