Professional indemnity insurance premiums for fire safety professionals remain at historic highs. We examine the causes and solutions.. The PII Challenge Post Grenfell, PII premiums for fire safety professionals increased by 300 500%. Many insurers withdrew from the market entirely. Current Situation (2025) Average premium for a fire engineering consultancy: £45,000 £120,000 p.a. Excess levels: £50,000 £250,000 Exclusions: cladding advice, ACM, combustible materials in many policies Market slowly recovering but premiums remain 200%+ above pre 2017 levels Solutions 1. Competence frameworks — demonstrating BSR recognised competence reduces premiums 2. Quality management — ISO 9001 certification valued by insurers 3. Peer review — independent review of fire strategies reduces risk 4. Scope limitation — clear contractual scope reduces exposure 5. Industry mutual — proposals for a sector specific mutual insurer For fire engineering consultancy, contact us.