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Skip Navigation LinksDepartment of Housing and Public Works > Construction > Prequalification of building suppliers > For building consultants > Insurances

 Insurances

Professional indemnity insurance

All building industry consultants on the Prequalification (PQC) System are required to maintain a professional indemnity insurance policy with:

  • a minimum insured amount of $1 million per claim
  • personal injury coverage
  • continuity of coverage for a period appropriate to the commission types undertaken
  • a maximum excess of $50,000 (a higher excess may be acceptable if the consultant is able to demonstrate that sufficient net tangible assets exist in the consultant's trading entity to justify the higher excess).

The amount of professional indemnity insurance to be held by consultants for particular commissions is nominated in the invitation documents.

It will generally vary from $1 million to $10 million, depending on commission type, service risk rating and the estimated cost of the government building project.

Table: Professional indemnity insurance ($m) relative to project cost and commission service

This table provides a guide to the likely amount of insurance required for varying commissions.

This has been adapted for government building projects from the Australasian Procurement and Construction Council’s publication, Professional Indemnity Insurance Guidelines in the Building and Construction Industry.

​Project value ​PQC1 ​PQC2 ​PQC3 ​PQC4
<$2m $1m​ $1m $1m​ $2m
$2m to <$5m $1m $1m​ $2m​ $2m​
$5m to <$20m $2m​ ​$2m ​$5m ​$5m
$20m to <$50m $5m​ ​$10m ​$10m
$50m to <$100m $10m​ ​$10m
$100m+ Refer to Building Policy and Practice Refer to Building Policy and Practice

Public liability insurance

All building industry consultants on the PQC System are required to maintain a public liability Insurance policy with:

  • a minimum insured amount of $5 million per claim
  • a maximum excess of $50,000.

As with the excess requirements for professional indemnity insurance, a higher excess may be acceptable if the consultant can demonstrate that sufficient net tangible assets exist in the consultant's trading entity.

More information

For more information contact us on 1800 072 621 or PQCRegistrar@hpw.qld.gov.au.



Last updated 16 June 2016    Creative Commons Attribution 4.0 International (CC BY 4.0)


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