Architects' professional indemnity insurance

Cover for wobbly walls and wonky windows

Professional indemnity insurance for architects. Pick a package (if your turnover's under £50,000) or build your own.

Essential
Professional indemnity: £100k
Public liability: £1m
 

£225.89

annual

Classic
Professional indemnity: £250k
Public liability: £1m
 

£258.96

annual

Pro
Professional indemnity: £500k
Public liability: £1m
 

£393.91

annual

Essential

£225.89

annual

Professional indemnity: £100k
Public liability: £1m
 
Classic

£258.96

annual

Professional indemnity: £250k
Public liability: £1m
 
Pro

£393.91

annual

Professional indemnity: £500k
Public liability: £1m
 

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.

Why should I buy my insurance from you?

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.

Anything else? Well, there's the great stuff you get, such as 20% off everything at MOO. We have an 'I'm insured!' badge for your website too - perfect for the professional professional.

Also, we'll give you money each time you recommend us.

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.

Risk tips for architects
School of risk for architects

Talk is cheap

This is the tale of a well-meaning architect and a surprisingly tenacious septuagenarian. As always, the names have been changed but the rest is all too real.

Enjoy.

Read more...


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.

Why should I buy my insurance from you?

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.

Anything else? Well, there's the great stuff you get, such as 20% off everything at MOO. We have an 'I'm insured!' badge for your website too - perfect for the professional professional.

Also, we'll give you money each time you recommend us.

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.

Risk tips for architects
School of risk for architects

Talk is cheap

This is the tale of a well-meaning architect and a surprisingly tenacious septuagenarian. As always, the names have been changed but the rest is all too real.

Enjoy.

Read more...


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Need a hand?

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Jane Aldous - our architects' insurance expert

I'm Jane,
our architects' insurance expert.

Got a question? Need a quote? Call me on
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