Architects Professional Indemnity Insurance

Architects Professional Indemnity Insurance

SME Insurance

Architects Professional Indemnity Insurance

Professional indemnity insurance is an important policy for architects, as you are giving advice or offering professional services to other people and businesses.

It gives you protective cover should you be accused of providing bad advice which causes financial loss for your client. It is possible to purchase professional indemnity cover as a stand-alone policy, or as part of a combination of insurance policies. While cases of professional negligence are thankfully rare, these cases can be highly complex and detailed, with litigation proving very expensive and traumatic for those involved. Therefore, having the correct insurance policies in place is vital for architects and other professional service providers.

Professional Indemnity Insurance for Architects

As architects, you have the creativity and skill to transform your clients’ visions into real life. It takes a very long time to develop a great reputation for yourself and your business, but all this can be dashed in moments should something go wrong. Whilst most people do their best to carry out exceptional work, accidents can and do happen, leaving many businesses exposed to claims of negligence, injury or property damage.

Architects professional indemnity insurance protects you and your business against the cost of defending a claim where you are accused of providing poor advice. There are a wide range of situations which may require indemnity cover:

  • Negligence – delay to a project though negligence, giving incorrect advice and breaching your duty of care
  • Misstatement – certifications or warranties have allegedly been given without prior inspection
  • Infringement of Intellectual Property Rights – such as using a copyrighted design without the owner’s permission
  • Breach of confidence – this can include sharing confidential information without consent
  • Defamation – making false and damaging claims about a person or company

Who Needs Professional Indemnity Cover?

Anyone who carries out professional work could face potential liability claims. Society these days is increasingly looking for compensation for a wider range of issues and problems than previously, and most professionals have noticed that the risk of being sued for professional negligence is rising.

Whether you work individually, run your own practice, work part time or simply offer free or low-cost advice, you could still end up being blamed when things go wrong. You may find yourself with a compensation claim against you. Any member of the public who chooses to use the services of a professional architect has the right to expect the work to be covered by professional indemnity insurance. Speak to us here at Erskine Murray for all your business insurance requirements and to obtain quotes to suit your business needs.

SME Insurance by Sector

Cyber

Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Commercial Combined

An all-in-one package that protects risks such as cover for buildings, stock, contents, interruption and liabilities. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.

Fleet

One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.

Tradespeople

Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.

Landlord

Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.

Bakery

Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.

Surveyors

Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Who do I

Contact? 

If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I

Contact? 

Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.