Professional Indemnity Insurance for Engineers, Architects & Quantity Surveyors in Kenya.
Professional Indemnity (PI) Insurance is mandatory for engineers, architects, and quantity surveyors in Kenya. It protects you against financial loss and legal costs arising from claims of professional negligence, errors, omissions, or faulty design in your professional services.
If you are registered with the Engineers Board of Kenya (EBK), the Board of Registration of Architects and Quantity Surveyors (BORAQS), or the Architectural Association of Kenya (AAK), a valid PI cover is a requirement for your annual practicing license and practice certificate renewal.
At Anziano Insurance Agency, we provide fast, affordable, and EBK/BORAQS compliant PI insurance for individuals and firms across Kenya.
Is PI Insurance Mandatory for EBK and BORAQS Registration?
Yes. Under the Engineers Act and the Architects and Quantity Surveyors Act, you cannot obtain or renew your practicing license without proof of PI Insurance.
EBK and BORAQS now require a minimum indemnity limit based on your project scope.
What Does Professional Indemnity Insurance Cover?
PI Insurance covers your legal liability arising from your professional services, including:
- Negligence, Errors & Omissions:Claims due to design flaws, structural miscalculations, incorrect Bills of Quantities (BQ), or specification errors.
- Defense Costs: Legal fees, court costs, and advocate fees to defend your reputation, even if the claim is unfounded.
- Breach of Professional Duty: Claims for failure to exercise reasonable skill and care.
- Loss of Documents: Costs of replacing or restoring lost client documents.
Who Needs PI Cover in Kenya?
- Individual Professionals: Qualified and registered Engineers, Architects, and Quantity Surveyors holding a valid EBK/BORAQS practicing license.
- Consulting Firms: Engineering firms, architectural studios, and quantity surveying firms practicing under Kenyan law.
- Construction project Managers & Consulting Firms tendering for county and national government projects.
Important Available Extensions
At an additional premium, an architect or engineer can get their policy extended to cover other risks that include:-
- Libel and Slander
- Employee Dishonesty and Fraud
- Loss of Documents (higher limit)
- Outgoing Partners & Previous Business Liability
- Joint Venture Liability
Benefits of Professional Indemnity Insurance for architects/engineers.
a. Financial Support
Professional Indemnity policy will cover court judgments awards and legal fees for defending yourself or the business
at the court of law. The policy may extend to also cover fees and other expenses that may arise from loss of documents.
b. Provides Peace of Mind
Professional Indemnity policy will increase confidence in carrying out the professional duty knowing that you have means
to defend yourself against any allegations for malpractice and defend your reputation thus enabling individuals and
companies to continue trading in successful businesses.
c. Enhance Brand Image & Credibility
Professionals are accountable for their services rendered and the professional Indemnity insurance provides support and
enhances goodwill as it prides confidence to your clients and investors knowing that any discrepancies that may arise in
course of your duty is covered.
d. Increased Chances of Winning Businesses
Most contractors and government authorities will put a minimum requirement for having a Professional Indemnity
Insurance to be considered in tendered businesses.
Requirements to Get Your PI Certificate
For Individuals:
- Duly filled and signed PI Proposal Form (we will send it)
- Copy of Current EBK/BORAQS Practicing License
- Copy of National ID and KRA PIN Certificate
- Updated CV
For Firms:
- Duly filled and signed PI Proposal Form
- Company KRA PIN and Certificate of Incorporation
- Valid BORAQS/EBK Firm Practice License
- CVs of all Directors/Partners and their individual practicing licenses
Frequently Asked Questions (FAQ)
Premium range from Ksh.6,000 upwards depending on the scope of limit.
There’s no universal minimum PI Cover this depends on the project risk.
Once we receive your documents and complete all necessary infomation, we share your certificate and cover note within few minutes after payment through whatsapp or email.
PI covers financial loss due to your professional advice/design. CAR covers physical damage to the construction works on site (like fire, theft, flood). You need both if you are a design-and-build contractor.
Yes. You must disclose all past claims and circumstances in the proposal form. Non-disclosure voids your policy. We have markets for professionals with claims history, though premium may be higher.
It is an annual policy. You must renew it every year to maintain continuous retroactive cover and keep your EBK/BORAQS license valid.
WHY CHOOSE ANZIANO INSURANCE AGENCY?
- Competitive Premiums: We guide our client to get affordable rates without compromising coverage quality, helping you stay compliant while keeping costs manageable.
- Fast and Efficient Service: We prioritise quick policy issuance and renewals to ensure you meet EBK deadlines with minimal hassle.
- Expert Guidance: Our experienced insurance professionals who understand the needs of engineering professionals and EBK regulations, guiding you through policy selection and claims processes.
- Trusted Underwriter Partnerships: We collaborate with top-tier insurers known for reliability and prompt claims settlement, giving you peace of mind in case of a covered incident.
- Ongoing Support: Beyond policy issuance, we offer continuous support, including reminders for policy renewals and assistance with adjustments to your coverage as your practice grows.
The standardised premium rates are as follows, however get in touch with our team to get a conclusive quote that is inclusive of all statutory levies.
Contact us
Don’t risk your license or your practice. Get in touch for a free quote.
You can get in touch with our team on the following contacts;
Email: [email protected]
Mobile: 0700222219 or 0208400601
