How much professional indemnity insurance does an architect need?

The recommended amount of cover (often referred to as a “limit of indemnity”) varies according to the professional body that you’re a member of, and the contracts that you’re working on. You can usually find out the minimum amounts required by dropping them a line. We can also advise on your individual business, because you may need more.

Professional Indemnity Insurance for Architectural Services

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Professional indemnity insurance for architectural services in detail

Professional indemnity insurance provides cover for legal costs and compensation claims from third parties, including your clients and the end user. Claims may come about following the provision of negligent advice or services, resulting in financial loss.

Our specialist PI policies are suitable for a range of architectural professionals, including architects, project managers, town planners, electrical engineers and heating and ventilation engineers.

Civil liability If a client or end user suffers financial losses because of any advice, information or designs you provided, a professional indemnity policy will cover your legal costs, awards, and settlements.
Breach of confidentiality If your client has entrusted your business with personal information or confidential details and these are unintentionally shared without their permission.
Defamation You may accidentally damage someone’s reputation in the process of conducting business, resulting in legal action and compensation being awarded. PI will cover these costs up to the value of your cover limit.
Copyright/trademark infringement If your advice unintentionally suggests your client should copy or produce a derivative of another work, you may be pursued by the copyright holder or your client for loss of income.
Loss of documents Covers the cost for the replacement or restoration of documents that were left in the care of your company.
Formal investigation If you are investigated by a professional or regulatory body, PI will cover the cost of any legal action brought against you.
Employee dishonesty Provides cover if your customers suffer a loss caused by a dishonest or fraudulent act by a member of your team.
Disputed fees Legal cover if you seek unpaid fees and your client threatens to counter-sue if you pursue them.
Pollution and asbestos Cover for these risks can be added to your policy if advice or designs result in environmental damage.
Cyber liability Provides cover for certain cyber liabilities caused by your business including misuse of employee signatures.

You need adequate professional indemnity insurance even if you’re providing your advice or services for free.

FAQs

How much professional indemnity insurance does an architect need?

The recommended amount of cover (often referred to as a “limit of indemnity”) varies according to the professional body that you’re a member of, and the contracts that you’re working on. You can usually find out the minimum amounts required by speaking to them. We can also advise on your individual business, because you may need more.