Insurance

Please click here to view Professional Indemnity

Please click here to view Public Liability

Please click here to view Commercial Level 3 and 4 insurance

What insurances are in place for BRE Accredited Domestic and Commercial Energy Assessors and Home Inspectors (see below)?

Professional Indemnity and Public Liability (but cover for Commercial EPCs is only provided for Level 3 surveys).

What is Professional Indemnity insurance?

Professional Indemnity insurance provides cover to indemnify the Insured party (to which you have been included under the definition of the Insured) for claims and circumstances first made and notified during the policy period arising out of conduct of the Insured’s professional services.

What is Public Liability insurance?

Public Liability insurance provides cover to indemnify the Insured party (to which you have been included under the definition of the Insured) for all sums which they become legally liable to pay as Damages (including claimants’ costs and expenses) and defence costs in respect of accidental death, bodily injury to any third party and/or loss or damage to tangible property to a third party in connection with the performance of the Insured’s professional services occurring during the period of insurance.

What is generally covered within the BRE Certification Accreditation Scheme’s Professional Indemnity policy for Domestic and Commercial (Level 3) Energy Assessors?

This policy will only cover claims resulting from your negligence or alleged negligence, committed by you in the performance of your professional services for producing an Energy Performance Certificate which has been logged with the BRE Accreditation Scheme. It will also provide limited cover for Libel & Slander, Infringement of Copyright, Breach of Confidentiality and Loss of Documents.

What is generally covered within the BRE Certification Accreditation Scheme’s Public Liability policy?

This policy will only cover claims resulting from your legal liability in respect of accidental death, bodily injury to any third party and/or loss or damage to tangible property to a third party during the process of producing a Home Condition Report or a covered Energy Performance Certificate which is intended to be lodged with the BRE Accreditation Scheme.

What is the level of cover provided by the Professional Indemnity insurance for Domestic Energy Assessors?

£250,000 any one claim less your policy excess of £500 each and every claim. Defence costs and expenses will paid in addition by the Insurer and the excess will not apply to this amount. The excess will only vary to £1,000 each and every claim for claims arising for loss of documents.

Commercial Energy Assessors (Level 3)?

£500,000 any one claim less your policy excess of £1,000 each and every claim. Defence costs and expenses will paid in addition by the Insurer and the excess will not apply to this amount.

What is the level of cover provided by the Public Liability insurance?

£3,000,000 for any one occurrence less your policy excess of £500 each and every claim.

Can I obtain a copy of the policy wordings?

Aon is only able to provide a copy of the policy wording to BRE, who is the Insured. We are not able to provide to any third party or to anyone who has the benefit of cover under the policies unless with the written authorisation from the BRE and with the explicit approval of the Insurers. We are able to provide a summary of cover upon request.