Free fact finder · United Kingdom
Design and build insurance fact find
Every question the design-and-construct professional indemnity forms ask, asked once in plain English. Send it to your client and their answers fill each insurer's form.
- No login needed
- Fillable PDF with your logo
- 123 questions
- Written for UK rules
What it asks
The questions underwriters ask, in plain English.
Each one comes with a line saying why it's asked, so your client answers fully the first time.
- 1Last financial year, roughly what percentage of turnover came from work where you designed and built, with the design done in-house?Insurers price design you do yourselves differently from design you subcontract.
- 2Do all your current contracts exclude liability for pollution or contamination?Pollution claims are usually excluded, so insurers ask whether your contracts pass them on.
- 3Which kinds of project do you work on? Tick all that apply.Insurers price by what is being built: a mistake on a tunnel or a tower costs far more than one on a house.
- 4Do your contracts always exclude liability for consequential or indirect loss, such as a client's lost profits?Lost profits and delay costs can far exceed the cost of fixing a design error.
- 5Are all your current projects on time, on budget and free of disputes?Delayed and disputed projects are where most design-and-construct claims start.
- 6Is anyone in the business aware of a mistake, complaint or situation that could lead to a claim?Anything known before cover starts is excluded unless declared now.
The business
Entity, people, professional and trade bodies and turnover.
How you are engaged
The share of turnover from design and build, contingent design, build only and design only.
Disciplines and projects
The design disciplines on your contracts and the kinds of project, with the share of turnover from each.
Design controls and contracts
Subcontracted design, back-to-back terms, liability caps, collateral warranties and cladding.
Claims and insurance
Past claims, known circumstances, current cover and the retroactive date that must carry over.
How it works
- 1
Open it and try it
Answer it on the page as your client would. Follow-up questions appear as you go. Nothing is saved.
No login
- 2
Send it, or download the PDF
Send your client a link to answer by form or chat, with reminders sent for you. Or download a fillable PDF with your logo.
PDF free, no email
- 3
Fill the insurers' forms
When your client answers, one click starts each insurer's form with their answers in, and drafts the demands and needs for you to finish.
Free 14-day trial
Minimum cover
What sets the limit
We know of no regulator that sets a minimum professional indemnity limit for design and build in the UK. Check any licence or membership the business holds.
- Your clients and their contracts
- No regulator sets a minimum professional indemnity limit for design-and-build contractors. The limit usually comes from client contracts, tenders, government panels and framework agreements, so check what each one asks for.
A summary, not advice. Check your client's contracts before setting a limit.
Free tool or a free trial
The fact finder is free. A trial does the forms.
Free, no login
Everything you need to use it.
- The whole fact finder, answered as your client would
- How much of each insurer's form it fills
- Fillable PDF with your firm's logo
With a 14-day free trial
Your client answers once. No card needed.
- Send it as a link: answered by form or chat, with reminders
- Upload a PDF your client filled in and the answers are read in
- Start each insurer's form with your client's answers in
- A first draft of the demands and needs statement
- Next year, your client only confirms what changed
Before you ask
Questions about the design and build fact finder.
- Is the design and build fact finder really free?
- Yes. Answer it on the page as your client would, and download it as a fillable PDF with your logo, with no login and no email. Sending it to a client as a link comes with a free 14-day trial.
- How does it fill the insurers' forms?
- Each question is linked to the same question on the design-and-construct forms in the Coverbound Form Library. Starting an insurer's form puts your client's answers in, and they confirm them instead of typing them again. The rest of each form, mostly tables of projects, principals and past claims, they answer there.
- Which insurers' forms does it fill?
- Design and build and construction professional indemnity proposal forms from Arch, CFC, Elmlake, Markel, NBS and Tokio Marine HCC. The page shows how much of each one it fills.
- Can my client fill in the PDF instead of answering online?
- Yes. It's a real fillable PDF they can type into in any PDF reader. When they send it back, upload it to your account and the answers are read straight in.
- Does it help with the demands and needs statement?
- Yes. Once your client has answered, Coverbound drafts the demands and needs statement from their answers for you to finish. It recommends nothing: that part is yours.
Ask once. Fill every form.
Open the fact finder, try it as your client and download the fillable PDF. No login needed.
Open the fact finder