Quality professional insurance services for Architects

Architects are diverse in terms of their work responsibilities, skills and projects which they take on. The work that they undertake can be very different between individuals and firms.

The majority of PI policies will cover not only a negligent act (making a mistake) but also a breach of a professional duty of care (or not doing something that is usually required as a matter of protocol in the trade sector). In each case, a claim will need to result in a financial loss.

RIBA have a prescribed wording and any Insurer underwriting RIBA member firms or individuals for PI Insurance, must adhere to the minimum terms.

Individuals and firms will often be required to sign up to collateral warranties which bind all of the parties to a construction project together, and extend legal liabilities beyond the usual standard of care benchmarks and statute of limitations. Consideration of these warranties and analysis of where cover does and does not operate to protect our clients is crucial.

We are able to assist with quantifying the risks which firms face (via a risk and cover audit), and then establish policies to cater for firms’ individual needs – as opposed to a “one size fits all” approach.

In addition to professional indemnity Insurances, architects may also need to consider;

  • Cyber liability – cover for sensitive personal data, data prosecutions, and malware/hacking which causes a loss
  • Directors and Officers Liability (protection and defence for regulatory offences, and for claims against claims made against directors individually in their own names)
  • Third party liabilities (employers and public) for visits to contract sites
  • Protection for electronic, measuring, telephony and laptop type equipment away from an office location

Claims for professionals can often be onerous and complex, and this constitutes our shop window – its what we do well for our clients and we provide an end to end service to ensure that they are protected.

We can also assist in areas such as risk assessments and construction site (CDM) issues.

Confidential review service of existing policies

Group 30

Understanding the Market and how best to approach Insurers

Group 110

Building a cost effective insurance programme

Risk Management Advice

Claims and Crisis Management


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