Plan for the best
Pick an architects' professional indemnity insurance package (if your turnover's under £50,000) or build your own.
Bricks and mortified
Make a mistake and it's hard not to be reminded of it. Buildings tend to be permanent, along with any glaring errors. Finger-pointing clients won't go away either.
But spending time and money clearing your name isn't part of your grand design. Thankfully, architects' PI insurance means it doesn't have to be.
If you’re a member of RIBA or ARB professional indemnity insurance is compulsory.
Public liability insurance (for third-party physical damage or injury claims against you) is useful if you go out and about. As is portable equipment cover.
Oh, and if you have employees the law says you need employers’ liability insurance too.
Yes. If that’s what you need.
The insurers we work with have made sure that their wordings meet RIBA, ARB, RTPI and CIAT requirements.
Another box ticked, then.
There’s no easy answer to this question.
ARB members have to have at least £250,000 professional indemnity insurance.
RTPI members fall under these guidelines:
Annual fee income below £40k: £100,000 minimum level of cover.
Annual fee income £40k - £199,999: two and a half times gross annual income.
Annual fee income £200k or more: £500,000 minimum level of cover.
For more help on what to consider, read this guide to choosing your level of cover.
Run-off cover is insurance that starts when you stop trading. Potential problems with your past work don’t go away just because you’re no longer in business – you can still be held liable for defects and negligence. Run-off cover protects you against claims arising from work you’ve already done.
Generally, architects should have it for at least six years. Call us for more information on how to get it.
Glad you asked.
The simple answer is: we know what we're doing. Professional insurance is all we do so we know what you need, even if you don't.
We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.
We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.
Plus, every insurance-related question you can think of is answered in our School of Risk, and you'll get our quarterly risk advice email – 'The Waggle' – to help you avoid problems in the first place.
If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.