We can provide cover limits ranging from £100,000 – £10,000,000 and we have access to the following extensions of cover:

• Negligence or breach of duty of care – making a mistake in your work or giving bad advice.
• Disputes caused by your breach of a duty of care referred under the Housing Grants Construction and Regeneration Act 1996
• Loss of Documents
• Fire Safety, Basements and Swimming Pool cover extensions
• Criminal defence costs relating to a regulation or statute which applies to your business, such as the CDM regulations
• Infringement of intellectual property rights – using content from a website or publication without permission
• Breach of confidence – sharing confidential or sensitive information without consent
• Negligent misstatement or misrepresentation – making a mistake or error when providing information
• Collateral warranty review services
• Mitigation Cover – costs incurred in remediating or mitigating a loss or potential loss that may otherwise result in a claim subject to specific requirements.
• Pollution Cover – claims arising out of the actual, alleged or threatened, sudden or accidental presence, discharge, dispersal, release, migration or escape of Pollutants other than asbestos, nuclear or radioactive material of any sort.
• Joint Ventures Cover – covers you against liability arising out of your professional services in respect of any joint venture, provided that you have previously declared to us all fees/turnover received from any joint venture subject to specific requirements
• Fraud & Dishonesty Cover
• Court Attendance Costs Cover

Public and Public Liability Insurance, covers you for any bodily injury or property damage which arises in the course of your day today activities, such as visiting a client’s premise.

Employers’ liability Insurance is a legal requirement for all employers within the UK. The minimum required limit is £5,000,000 although most insurers give £10,000,000 as standard. The policy is designed to protect employees’ who sustain an injury or illness during their normal business activities by providing compensation.

Buildings & Contents Insurance. Cover your computers, equipment and other workplace property such as business records against fire, flood, theft and more so you can have peace of mind that you’re protected against the unexpected.

Business Interruption Insurance. We can help you get back to work after a crisis. Business Interruption can insure you against lost business income and any additional expenditure that you might have incurred following a loss.

Cyber & Data Insurance. From sensitive client plans and designs to personal data and project correspondence, a single breach could lead to costly legal claims, reputational damage, or project delays. Cyber insurance helps protect your practice against data loss, hacking incidents, and liability arising from cyber attacks, giving you peace of mind so you can focus on designing, not defending.

When looking at an architect’s business, there are many factors that can affect the terms provided:

Fee Income  

The fee income is an important rating factor when an underwriter is considering a Professional Indemnity Insurance premium, as it is the one element that all companies can be judged on.

Project Sizes

The size and complexity of past and present contracts are taken into consideration. The insurers proposal form will ask you for details of the work in which you are involved in. Small home projects can be considered lower risk, as opposed to large hotel complexes or high rise offices.

Overseas Contracts

Does the business carry out work for overseas clients? Specialist architects often find that their services are required on the other side of world, especially in countries trying to expand their tourism and business economies. The legal requirements in other countries can be very different to the UK, with countries such as the United States and Canada being more litigious. As a result this can affect the premium being offered.

Number of years trading and experience 

Newly established architects can be seen as an increased risk to insurers as there is a lack of trading history to confirm a good claims experience or ability within the organisation. When presenting a risk to an insurer, it can be beneficial if a copy of the directors’ CV’s are provided, as this can present a better picture of the business or person being insured.

Activities Undertaken 

Activities and sectors will have their own rating of risk, and insurers will be interested in the types of projects and disciplines in which an architect is involved in. For instance,pre-planning designs for a new home would be considered very low risk compared to an architect that ismanaging a super basement in London. The reason for these different ratings is due to risk and size of the potential claim.

Yes. We provide quotations that include inner limits for fire safety and combustibility cover, tailored for architects involved in complex or high-risk projects. This ensures your practice is protected when working on sensitive developments or large-scale buildings.

Yes. While insurers may initially impose restrictions, we can often negotiate inner limits for clients, subject to project details. This allows you to confidently take on specialist designs such as basements, pools, or other bespoke architectural features.

Yes. Some insurers offer interest-free direct debit or reduced-interest payment options. Where these aren’t available, we can provide our own finance facility to make monthly payments simple and manageable.