Professional Consultant Certificate (PCC)s or Architects Certificates are often advertised as low cost alternatives to a structural warranty, but the reality is they are cheaper for a reason. A professional consultants certificate is not an insurance policy. It is just a certificate identifying who the professional was that undertook the job. If a defect appears, you will have to prove the professional i.e Architect/Engineer was negligent and this can be a costly exercise. It is worth bearing in mind that the certificate is issued on the back of professional indemnity insurance (PI). If the professional fails to renew their own policy or goes out of business – you are unlikely to have any protection whatsoever.