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Do You Still Need Insurance If You’re a Chartered Architect or Surveyor?
Many chartered architects and surveyors believe their professional status gives them complete protection. In reality, even if you are highly…
ArchitectInsurance
Architect Insurance
Professional indemnity cover built for architects, meeting the requirement set by the Architects Registration Board for anyone using the title.
Professional indemnity cover built for architects, meeting the requirement set by the Architects Registration Board for anyone using the title.
ARB-compliant PIDesign errorsProject delays
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Speak to a specialist 0330 027 0996
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What is architect insurance?
Architect insurance is a combination of covers built around design work and site involvement, professional indemnity for design errors or advice that causes a client a financial loss, public liability for injury or damage, and employers’ liability if you have staff.
To legally use the title ‘architect’ in the UK, you must be registered with the Architects Registration Board (ARB), which requires you to maintain adequate professional indemnity insurance.
The right architect cover depends on:
Scale and value of projectsWhether you visit construction sitesNumber of employeesLevel of professional indemnity coverAnnual fee incomeWhether you use subcontractors
Cover that fits the way you practise
Cover that fits the way you practise
Design work and site involvement bring their own everyday risks.
Design work and site involvement bring their own everyday risks.
RecommendedProfessional Indemnity
Protection if a design error or advice causes a client a financial loss.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedPublic Liability
Protection if a client or visitor is injured, or on-site during a visit.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you working.
OptionalBusiness Equipment
Cover for computers, plotters and design equipment.
OptionalCyber Insurance
Covers costs following a data breach or cyber incident.
What could go wrong for an architect?
What could go wrong for an architect?
Most architect claims come from a design flaw, a delayed project, incorrect planning advice, or a dispute with a contractor over specifications.
Most architect claims come from a design flaw, a delayed project, incorrect planning advice, or a dispute with a contractor over specifications.
Is this cover right for your practice?
This type of business insurance may suit you if you’re registered with the ARB or working in architectural design.
The right cover depends on:
Sole practitioner architectsArchitectural practices with staffResidential design specialistsPractices with multiple officesArchitects working with contractorsArchitects with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A design flaw, a site injury, a staff injury and a data breach are the four architect scenarios insurers see most. Each responds to a different cover.
A design flaw, a site injury, a staff injury and a data breach are the four architect scenarios insurers see most. Each responds to a different cover.
Design flaw
A structural or design error leads to costly rework.
Potential cover
Professional Indemnity
Site injury
You or a visitor is injured on a construction site.
Potential cover
Public Liability
Staff injury
An employee is injured at work.
Potential cover
Employers’ Liability
Data breach
Client project files are exposed in a breach.
Potential cover
Cyber Insurance
How much does architect insurance cost?
There’s no fixed price. ARB’s guideline minimum indemnity limit, project values and whether you visit sites all affect what an architect pays.
Scale of projects
Larger or higher-value projects can affect your risk profile.
Annual fee income
Higher fee income generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Site involvement
Regular site visits can affect your public liability needs.
Level of professional indemnity
The ARB guideline minimum is £250,000, though many practices carry more.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting architect insurance takes four steps: tell us about your practice, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting architect insurance takes four steps: tell us about your practice, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your practice
Your services, fee income and whether you have staff.
2
Choose your covers
Professional indemnity, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Architect insurance guides
Architect insurance guides
Practical advice on cover, ARB requirements and staying protected.
Practical advice on cover, ARB requirements and staying protected.
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Whether you are designing structures or inspecting them, your work carries significant responsibility. As an architect or surveyor, your role…
Architect insurance FAQs
Architect insurance FAQs
Straight answers on cover, ARB requirements and cost.
Straight answers on cover, ARB requirements and cost.
Architect insurance is a combination of covers built around design work and site involvement: professional indemnity for design errors or advice that causes a client a financial loss, public liability for injury or damage, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.