Fire combustibility exclusion clause professional indemnity insurance.

This morning I had at look at my renewal quote for my Electrical Contractors combined insurances policy.

Attached is a briefing note from the insurance company, regarding a Fire Combustibility Exclusion Clause. Any thoughts?

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  • Thank you for pointing this out Sparkingchip. 
    If this applies across the board, it effectively means that clients are not protected should they wish to pursue claims against the PI insurance of designers/contractors  that fail to meet “fire safety regulations”. Similarly, designers/contractors are not covered should such a claim be made.

    I am on holiday at the moment but since the design and specification of fire safety measures is my bread and butter, I will have to thoroughly check my own PI insurance arrangements.

    My reading of this is that it is a hugely significant issue for the construction industry for designers, contractors and clients alike. Paradoxically, it may mean better fire safety in that clients will have to be especially careful that project proposals are watertight in terms of  fire safety compliance and appropriate oversight is in place during the construction phase to ensure those fire safety measures proposed are properly implemented. 

  • My reading of this is that it is a hugely significant issue for the construction industry for designers, contractors and clients alike.

    A quick Google shows that it is. For example (but there's loads more like this):

    https://www.designingbuildings.co.uk/wiki/Fire_safety_exclusions_-_the_insurance_position

    Whilst looking around I found one authoritative site that said that it's likely that designers, consultants etc may have to write into their contracts that it is the client's responsibility to employ a Fire Risk Surveyor (I may have got the term wrong), on the grounds that only such a person would be in a position to take the risk and get (afford) appropriate insurance. Annoying I can't find that site again now. And of course not much help for small domestic work.

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  • My reading of this is that it is a hugely significant issue for the construction industry for designers, contractors and clients alike.

    A quick Google shows that it is. For example (but there's loads more like this):

    https://www.designingbuildings.co.uk/wiki/Fire_safety_exclusions_-_the_insurance_position

    Whilst looking around I found one authoritative site that said that it's likely that designers, consultants etc may have to write into their contracts that it is the client's responsibility to employ a Fire Risk Surveyor (I may have got the term wrong), on the grounds that only such a person would be in a position to take the risk and get (afford) appropriate insurance. Annoying I can't find that site again now. And of course not much help for small domestic work.

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