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Insurance for Surveyors

Surveying is a mathematical science that uses the principles of geometry and trigonometry to measure and describe portions of land or the sections of the earth. Distances are measured by calculating the degree of various angles between measurement points.

Some of the primary exposures include the loss or destruction of valuable documents, as well as expensive and highly technical surveying equipment. Additional exposures are motor vehicle-related due to the travel needed to go to job sites and surveying points.

Employers’ liability can be a concern if the surveyor has to travel over rough terrain in rural or unpopulated areas. Surveyors who measure roads and other similar points and who are in danger of being struck by vehicles have additional loss potential. If air travel is needed to go to job sites, loss exposure increases.

The background, education, certification, experience, and professionalism of the surveyor are items to consider. Professional liability and professional indemnity cover are items to review.

At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding professionals from across all disciplines the right kind of Liability and Professional Indemnity insurance cover for professionals, giving both sole traders, SMEs, and large practices the protection they need.

 

What Insurance does a Surveyor need?

Minimum recommended cover can usually be arranged on a Professional Indemnity (PI) combined policy to include Buildings, Computer Equipment & General Contents, Increased Expenditure, Employee Dishonesty, Public Liability, Employers’ Liability

Other covers to consider are Cyber Liability, Employment Practices Liability, Commercial Vehicle, Employee Benefits, Directors and Officers Liability, Excess of Loss/Difference in Cover.

Property insurance

Property exposure is that of an office. There will be paper that must be filed in fireproof cabinets.

Property liability

Premises liability is very limited on site. Any customer area must be neat and floor coverings must be maintained in excellent condition. The off-site exposures are multiple since surveyors must be wherever the appropriate angle is to get an accurate survey. They may be in the middle of the street or on other premises that is not owned by the client in order to work. There should be a field guide that provides policies and procedures for dealing with all situations. When interfering with traffic, there should be a barrier and warning signs in order to prevent accidents.

Crime Insurance

Crime exposure is from Employee Dishonesty. Ordering, billing and disbursement should not be handled by the same individual. An annual audit should be conducted.

Employers’ Liability Insurance

Employers’ liability exposure is from standing in very odd places. Surveyors must get to a location, set up equipment and calculate. They are exposed to animals, falling objects, motor vehicles, and various insects and vegetation. People may also object to a surveyor being on their premises. Surveyors should check in frequently and have an emergency communication procedure in place. Barriers should be in place when performing street work.

Professional Indemnity Insurance

Professional liability is important in that the survey sets the boundaries for properties being purchased, subdivided, or sold. It also provides information that is used by engineers and architects in making design decisions. If an error is made in road design and the survey was a contributing factor, however, there may be a claim. The professional problem will generally be property damage related instead of the usual bodily injury or personal injury. It is important to be aware of the type of surveying done and the locations where the surveyors operate.

What risks does a Surveyor face?

Other exposure includes Book Debts, Computers and Deeds and Documents. All must have duplicates that are kept off site for easy replacement. In addition, surveyors’ tools need to be covered. These tools should be kept in the office or in a locked vehicle when on location.

Why not discover more about Business Insurance Service? Or simply get in touch with our services today.

How can Business Insurance Service help Surveyors?

Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find liability or professional indemnity insurance by hunting through countless websites, let us or our website do it for you.

We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.

As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for various businesses, including vets and surgeries. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.

A fully accredited service delivered by professional brokers

To find out more about insurance for Surveyors call us on 01273 789 979

Email us at hello@businessinsuranceservice.co.uk

Use our Get In Touch form to request a call-back.

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    We’re members of the British Insurance Brokers Association and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.