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December 18, 2023

CIC's Guide: Mastering Personal Liability in Construction with PII and Smart Risk Management

CIC's Guide: Mastering Personal Liability in Construction with PII and Smart Risk Management

In a bid to enhance risk management awareness and empower professionals in the construction industry, the Construction Industry Council (CIC) has recently released a crucial resource. The CIC's risk management briefing, titled "Personal Liability of Employees," delves into the intricacies of professional indemnity insurance (PII) and provides comprehensive guidance on when employees may be covered, when they may not, and the proactive steps both employers and employees can take to safeguard against personal liability risks.

Understanding Professional Indemnity Insurance

Professional indemnity insurance (PII) is a critical aspect of risk management for construction professionals. The CIC's briefing sheds light on the nuances of PII, emphasising the importance of professionals having a clear understanding of the coverage provided by their policies. By arming themselves with this knowledge, employees can make informed decisions about their insurance needs, ensuring they are adequately protected in the face of potential liabilities.

Covered and Uncovered Scenarios

The briefing provides clarity on the scenarios in which employees may find themselves covered by professional indemnity insurance and, conversely, instances where coverage may not be applicable. This distinction is crucial for professionals to navigate the complexities of personal liability and take proactive steps to manage and mitigate potential risks effectively.

Employers' Responsibilities

Recognising that employers play a pivotal role in shaping the risk landscape for their employees, the CIC's advice extends to employers as well. The briefing encourages employers to foster a culture of risk awareness, urging them to review and understand the terms of contracts thoroughly. Additionally, maintaining high professional standards is highlighted as a key element in reducing the likelihood of personal liability issues arising.

Proactive Steps for Employees

For individual professionals, the CIC's advice emphasises the importance of proactive risk management. This includes a careful review of contractual terms, ensuring that they align with professional indemnity insurance coverage. Professionals are also advised to consider obtaining appropriate insurance coverage beyond what may be provided by their employer, providing an extra layer of protection against potential personal liability risks.

The Path to Safer Practices

As the construction industry continues to evolve, so do the challenges and risks faced by professionals. The CIC's risk management briefing serves as a timely and valuable resource, guiding both employers and employees toward safer practices and a more robust understanding of personal liability issues. By promoting transparency, awareness, and proactive risk mitigation, the construction industry can create an environment that fosters growth, professionalism, and the long-term success of its practitioners.


The CIC's issuance of the risk management briefing on personal liability is a commendable step toward enhancing the overall resilience of the construction industry. By offering clear guidance on professional indemnity insurance, covered scenarios, and practical steps for both employers and employees, the CIC is contributing to a safer and more informed professional landscape. As professionals across the sector heed this advice and take proactive measures, the industry can collectively move towards a future where personal liability risks are effectively managed, ensuring sustainable growth and success for all.

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