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  • > Benefits of Architects & Engineers Insurance
  • > Quick Guide to Architects & Engineers Insurance
  • > Frequently Asked Questions
  • > Insuropedia
  • > Why SecureNow?

Benefits of Architects & Engineers Insurance

Comprehensive Cover

Insurance will cover Architects & Engineers professional liability insurance up to the specific amount which they may become legally liable to pay, proceeding from any claim made against them by reason of any neglect, error or omission which may happen while rendering their professional service.

Legal Support

It will cover Architects & Engineers professional liability insurance for defence fees in case of a legal case. It will also reduce the probability of loss of income arising from a legal case. In a few cases, the insurer will take on the obligation to fight your case.

Original Retroactive Date

All claims pertaining to professional indemnity after the start date of the policy will be covered. For instance, if someone has continuous policy for 2 years and is sued for errors and omissions during designing of a building during that period, it will be covered in this policy. This condition is held true only when timely renewal is done and SecureNow will help in doing so.

Hassle-free Business Operation

Do not worry about legal liabilities. Focus on your creative work and let the insurance take care of legal costs.

Quick Guide to Architects & Engineers Professional Liability Insurance

What is Architects & Engineers Professional Liability Insurance?

Architects & Engineers Professional Liability Insurance for is a type of insurance policy that provides coverage to the architects and engineers for any kind of legal liability arising in case any their client decides to file a complaint against them in a court of law. Commonly known as Architects Insurance or Engineers Insurance, it protects these professionals from financial loss following a claim filed by a dissatisfied client. It covers the Architects’ legal defense costs and amount payable as damages. Engineers Insurance provides economic safeguard against risks faced by engineers in ongoing construction project, delivered project, and machines and equipment in project operation.

Who Needs Architects & Engineers Professional Liability Insurance?

Architects and Engineers are liable for any negligent act or breach of professional duty which they may commit in the performance of their duties. Although it protects the individual professionals, both insurance for architect and insurance for engineers is purchased by architecture and engineering firms rather than by the professionals themselves. Generally, building design and construction companies buy this insurance cover. An A&E Insurance coverage help businesses run its affairs smoothly by protecting professionals from the costly damages for which the business is at fault.

Features and Benefits of Architects & Engineers professional liability insurance

Architects and Engineers Insurance comes with several features. They are as follows:

  • Provides financial protection from lawsuits filed by client against breach of professional duties
  • Provides assurance to the clients in case of any discrepancy arises in the service provided by the architects and engineers.
  • PI Insurance enhances the goodwill and brand image of the architect and engineers
  • With PI insurance cover Architects and Engineers can run their business smoothly
  • Architects & Engineers insured under the policy have more opportunity to grow their business as some of the contractors and government authorities consider this as a requirement at the time of submitting tenders
  • PI insurance for architects and engineers increases their credibility as the client can rely on them without any worries of suffering any unforeseen losses

Inclusions of Architects & Engineers professional liability insurance

Architects & Engineers Professional Liability Insurance provides coverage for the following:

  • Loss or damage caused to the client due to an act of negligence
  • Loss of client’s critical data or documents
  • Expenses related to claim investigation
  • Defamation and libel cases
  • Financial loss caused to the client
  • Unintentional breach of confidentiality

Exclusions of Architect Insurance or professional indemnity insurance for engineers

Architects Insurance or Engineers insurance does not provide coverage for the following:

  • Intentional slander or financial loss caused to the client by insured
  • The insurance plan does not cover any illegal acts and lawsuits filed against professionals for getting involved in any illegal activity resulting in loss to the clients
  • Regular accident not associated with your work or has not happened in your workplace
  • Any loss or damage caused by an act of terror
  • Any contractual liability architects or engineers enter into with a third party
  • The PI for architects and engineers does not cover the dispute between these professionals and their employees

How to select sum insured for professional indemnity insurance for Architects and Engineers

The time period of the contract, expenses and risk-exposures are the key factors which are taken into consideration while deciding the amount of sum insured for architects Insurance or engineers insurance. Generally, the bigger the project and its execution time the larger should be the sum assured. Further, If these professionals undertake projects where risk exposures are quite high, like designing a smart city, then the sum assured is equated higher. With their vast experience, careful assessment of variables through professional expertise, they can decide on appropriate sum assured for themselves.

Points to Consider while selecting Architects Professional Indemnity Insurance

To avail an optimum cover under architects & engineers professional liability insurance, it is important to look at the following critical factors:

  • Size of the contract: The time period of contract, expenses and probable risk exposures are the critical factors which have to be taken into consideration while deciding the amount of sum insured.
  • Statutory Registration: There are associated governing bodies of Architect and Engineers that formulates strict guidelines specifying a level of professional indemnity cover. Professionals can know about the minimum level of cover required in your professional services to safeguard themselves against any kind of legal hassle.
  • Turnover or Profits: Overall business performance and profitability of the company defines the premium paying paying capability of a professional firm.
  • Size of the firm: Firms with higher scale of operation and reputable clients have to avail large sum insured amount.
  • Type of Profession: Firm’s area of practice, the number of the practitioner, risk group of the practitioner, experience and qualification etc. also affect its sum insured.

How To Raise Claim Under Professional Indemnity Insurance Policy?

To raise a claim online, one can follow the steps given below:

  • Intimate with your Insurer or us: To raise a claim, you have to inform the insurance company or us about the incident
  • Keep Required Documents Ready: You should submit all claim-related documents as required by the insurer to begin the claiming process
  • Filing in Claim form: Fill the claim form and submit it along with the required documents
  • Give information to Appraiser: Upon the receipt of the claim form, an appraiser will be assigned who verifies the authenticity of the claim raised. Claimant on their part should ensure that they tell the appraiser everything they want to know best to your knowledge.
  • Compensation: Once appraiser has evaluated the claim is satisfied, he submits his expert advice to the insurance company, who will then initiate compensation.

  • Reputed insurance broker like SecureNow (, can be customers primary contact when it comes to your insurance policy. Once you give us a detailed list of items that were damaged or lost, and supported by photos or videos that help to explain the circumstances, we will understand your situation and assist you with the claims process.

How to renew Architect Insurance or Engineers Insurance?

On time renewal of the insurance policy is important for a continued coverage. You can follow below steps to renew an Architect and Engineers insurance online:

  • Step 1: Go on
  • Step 2: Fill in your insurance policy number to access your account.
  • Step 3: Once you are on your profile page, locate and click ‘Renew’ button
  • Step 4: Opt-in/Opt-out of any add-on(s), as per your requirement
  • Step 5: Addition/removal of any add-on will increase or decrease the premium amount for the consecutive year accordingly.
  • Step 6: Read the information once before you proceed to make the payment using provided online payment options
  • Step 7: On successful payment, a receipt will be generated, and we will send you the soft copy of the updated insurance policy and a hard copy to your registered address, if requested for.

Frequently Asked Questions

Architect professional indemnity insurance helps protect architectural design professionals from claims arising from the professional services given. It covers claims for negligence, inaccurate advice and misrepresentation. Professional indemnity insurance for engineers provides economic safeguard to the risks faced by the ongoing construction project, installation project, and machines and equipment in project operation. Professional indemnity insurance for architects and engineers is designed with the needs of architects and engineers in mind.
Architects and engineers’ insurance covers below legal liability scenarios:
  • Professional negligence
  • Dissatisfied client, though no valid claim
  • Error or omission by outsourced personnel
  • Architects or engineers who design buildings for commercial and/or residential use should have professional insurance to safeguard themselves from claims and lawsuits brought by clients, vendors or even employees. Architects & engineers professional liability insurance is a great way to these professionals can protect yourself while continuing to provide best services to clients. This is especially important for architects and engineers who work privately or own their own business.
    Client Professionals who are dealing with clients always face the risk of being in some trouble, thus, they should surely consider availing professional indemnity insurance.Some of the advantages of these insurances are:
  • Covers the specific needs of architect and engineers professionals
  • Provides comprehensive coverage against various types of risks specific to architects or engineers
  • Covers legal costs and other expenses, in case of a law-suite
  • One can increase or decrease the sum insured mid-term
  • Insuropedia

    Which Professional Services Should Consider Buying Professional Indemnity Insurance?

    Professional Indemnity Insurance also known as PI insurance, Errors, and Omission or Professional Liability Insurance is the cover that protects professional advice and service-providing individuals from bearing the full cost of defending against a lawsuit raised by a client and damages awarded during a lawsuit.
    Read More

    How Can Architects Insurance Ease Work for Architectures?

    The decision to buy architects insurance for a firm or even an independent or freelancer contractor is not essentially an easy one to make at the outset. When an architect is faced with this decision, it is possibly an indicator that there might be some significant happenings, like winning a large contract or planning to expand the business, that might warrant the extra protection.
    Read More

    4 Scenarios Where Professional Indemnity Insurance Help Architects

    As an architect, you make thousands of decisions every day. Also, these decisions may constantly be revised by clients, who might also make some sudden changes due to budget. But what if your decision turns awry, and your client sues for that? Not only monetary but will also hurt your reputation as well.
    Read More

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