As a specialist insurer with over twenty years experience of insuring architects, we offer unrivalled knowledge of the risks facing architectural professionals and practices. Our cover can be tailored to meet the insurance requirements of the Royal Institute of British Architects (RIBA), the Architects Registration Board (ARB) and the Chartered Institute of Architectural Technologies (CIAT).
Regardless of the size of your practice, architects face a whole range of risks. An error in a building design, damage caused to a work site during a visit or a fire at your offices destroying thousands of pounds worth of computers could cause serious financial problems for your business. Our specialist insurance for architects can be tailored to provide cover against all these risks and more, giving you the peace of mind that if something goes wrong, you are covered.
You can tailor your architects insurance online in a matter of minutes. Our simple quote system asks about your business activities and offers you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the insurance you need.
Tailor your specialist architecture insurance policy with these covers
Professional indemnity insurance
covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This cover is mandatory for many architectural professions, and insurance is available with limits ranging from £100,000 to £5m.
Public and product liability insurance
covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you regularly visit building sites, clients visit your offices or you come into contact with members of the public, you may need this cover. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If your architecture practice has employees, you need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We also offer a specialist policy designed for architects working from home
Specialist cover for architecture businesses based at home can be difficult to find. Our specialist homeworkers policy can be tailored to provide your home based business with the comprehensive cover it needs to survive a claim. Most home insurance policies do not include cover if you make a mistake in your work, so be sure to arrange specialist cover that will not leave you exposed if you need to make a claim.
Our architects insurance for homeworkers can be tailored to your preference. You can choose from a range of limits on different covers, and have the option of insuring expensive business equipment (including laptops) against a variety of risks.
Our architects insurance is available from as little as £5/month over 10 interest free instalments.