Architects’ PI insurance

Cover for wobbly walls and wonky windows ...

Professional indemnity
from
£15.49
a month

Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £2,000,000 cover.

+ Public liability
£3.67
a month
£1,000,000 for physical damage and injuries caused by your business
+ Employers’ liability
£2.75
a month
£10,000,000 legally required cover for employers
Based on an annual income of up to £50,000. All prices include IPT at 10%.
Quote online for turnovers up to £250,000, or call and talk to an expert.
RIBA
Non-members

House rules

Unlike other professions, an architect’s work stands the test of time. Well, it should do.

Unfortunately, it can take many years for architectural problems to emerge, allowing claims to creep up without warning.

Professional indemnity insurance for RIBA architects can help. As well as paying legal fees to defend you from any allegations of negligence, it can also pay any compensation or damages.


What insurance do RIBA architects need?

Professional indemnity insurance is compulsory for all members of the Royal Institute of British Architects.

If your architecture business has one or more employees, you are also legally required to have employers’ liability insurance.

This provides protection if one of your employees suffers a workplace injury or illness and you’re to blame. If this applies to you but you don’t have it, the Health and Safety Executive can fine you £2,500 per day. That’s as well as a £1,000 fine for not displaying your insurance certificate.

Do I need public liability insurance?

Yes, probably.

Going out and about to see clients and their burgeoning projects is essential. And risky.

Architects’ public liability insurance covers you if someone (anyone) claims you’ve damaged their property or injured someone. It pays for your defence, pays to fix what’s broken, and compensates whoever’s claiming.

What level of cover do RIBA architects need?

RIBA don’t actually stipulate a minimum level of cover for their members. However, they do agree with the Architects Registration Board’s recommendation that members have a level of indemnity of at least £250,000.

However, all architects should assess the individual risk levels of their business when buying cover. Generally, it makes sense to buy as much as you can afford.

What is architects’ run-off cover? And do I need it?

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. RIBA advises all architects who are sole traders to get some when they retire. If you’re retiring from part of a firm that’s still trading, their professional indemnity insurance should continue to cover your work.


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.


What insurance do architects need?

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.

Is your insurance industry-compliant?

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.

What level of cover do architects need?

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.

What’s architects’ run-off cover? And do I need it?

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.

What other architects say about us
Simplicity is all I needed and this is exactly what I got - Pleasure doing business.
Very responsive and good customer interface.
Great price and very friendly and efficient service.
Exceptionally clear process, easy to complete application form and reasonably priced cover.
Very helpful & polite customer service team.
Read more than 2,150 positive reviews on Feefo

Prefer to chat?

We’re here Mon-Fri, 9-5.30.
Give us a ring on 0345 561 0320.
Or ask us to ring you.
Laura Alcock
Account Executive