Architects Professional Indemnity Insurance

The professional risks faced by an architect vary widely and range from the obvious error in the design of a building to the less obvious exposures that arise out of project management responsibilities and where acting as principal designer, the integration of the designs of all the professional consultants who are contributing to the completed build. From managing planning applications and disputes to negotiating the increasingly complex world of building regulations in a post-Grenfell era, the risks and the nature of claims which architects face are changing on an almost daily basis.  

Architects need cover that satisfies the requirements of the Architects Registration Board but, unless the work undertaken is of a very modest and straightforward nature, will be well advised to cover themselves for a much greater sum insured than the £250k minimum requirement. Quite apart from the core cover provided in respect of claims payments, the PI policy will provide cover for the Insured firm’s own costs in investigating and defending themselves against claims and these professional and legal costs are often significant and even where a claim is successfully defended, there is no guarantee that such costs can be recovered.