Architects Professional Indemnity & Public Liability Insurance

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In your role as an Architect or draftsperson you understand the complexities involved in completing demanding projects. Your profession by nature carries a high level of risk; your duty of care not only extends to your clients, but also any contractors, future owners and anyone injured from an alleged shortcoming in your design.

Professional Indemnity Insurance is designed for professionals who provide advice or services to their clients. Professional Indemnity Insurance safeguards your business against legal costs and claims by third parties for damages arising from acts, omissions or breaches of professional duty in the course of your work.

As it can take long periods before design flaws emerge, run off cover is essential to protect you from claims arising from past projects even if you are no longer operating.

For many professions, State legislation and the associated governing body sets strict guidelines specifying a level of professional indemnity insurance cover that is required to trade. The architecture industry is regulated at a state level, each with their own Architects Act, Architects Regulations and Professional Indemnity insurance requirements.

Do Architects Need Public Liability Insurance?

Many Professional Indemnity policies cover the financial loss suffered by a claimant only. However, this does not provide protection in the event that a design deficiency causes major injury or fatality to occupants or by-standers. Public Liability Insurance provides cover for financial losses arising from a claim or accidental injury in the course of your business.

What cover options are available?

  • Professional indemnity
  • Liability cover for bodily injury and property damage
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