If your work doesn’t stand the test of time, we’re here to cover it. Protect your business and your reputation with architects’ professional insurance.
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Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £2,000,000 cover.
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.
Professional indemnity insurance is a must for architects.
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 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.
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.
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. It's advisable for 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.
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.
If you’re after a second opinion, have a look at our customers’ feedback. They’re the ones you should really listen to.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.