ImageArchitect's Insurance – Professional Indemnity Insurance for Architects
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Product Advantage

Comprehensive Cover

Insurance will cover architects 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 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.

Why Claims Get Rejected?

Pre-Policy Claims

  • The policy bought will not cover any architectural work carried out before the starting date of the policy. Claims that arise from an issue known before the insurance was bought are rejected. If there is a break in the renewal of the architect’s professional liability insurance then the retroactive date is reset to the start of the new insurance.

Incorrect Information

  • If you provide incorrect information at any stage, it will affect your claim. Providing false information in the proposal form or fraudulent claim can make the insurance void and all claims will be forfeited. Claims can also be denied if you hide or omit material facts to reduce premium. For example, you may not have told the insurer about a pre-existing fault in a building design.

Deliberate Meddling With Design

  • It includes any deliberate acts to meddle with the design of a building to lower costs. For instance, reducing the steel or concrete quality for cost savings.

Frequently Asked Questions

Professional indemnity insurance for architects is a liability insurance which covers the architectural firm and its employees against claims arising from negligent acts and errors and omissions in the performance of architectural services.
The architect’s professional indemnity policy excludes -
Criminal acts & fraud
Nontraditional practices
Willful negligence
Terrorism
There are various factors which determine the premium amount under this insurance. It includes limits or deductible you choose, your firm size, size of the project and claim history.
Yes, there are some insurers who offer project-specific insurance. Project-specific insurance usually provides coverage for a pre-selected number of years for the design and construction phase and also discovery period after construction phase is complete.
Yes, architect’s professional indemnity insurance policy does provide cover for the settlement of lawsuits. The extent of settlement is determined by the type of the policy and sum insured.

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