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SME 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 (such as alongside public liability insurance and/or employers’ liability insurance). 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.
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:
There may be other circumstances for which you will also require professional indemnity insurance. If you are providing an expert service to a client such as a surveyor, you will need surveyor PI insurance.
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. From Professional Indemnity Insurance to public liability insurance or a combined policy, we can help.
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Cyber
Cyber attacks are a rapidly growing, see how we ensure you are protected.
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.
Business Interruption Insurance
Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.
Wholesalers Insurance
Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.
Tech Start Up Insurance
Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.
Media Professionals Insurance
The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.
High Net Worth Insurance
High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.
Graphic Designer Insurance
As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.
Civil Engineering Insurance
At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.
Business Owners Policy Insurance
An enhanced business insurance policy which combines property insurance alongside general liability insurance.
Contractors All Risk Insurance
Whilst all construction sites are different, there are still common risks and threats shared by them all.
Who do I
Contact?
If you would like to talk more about your SME Insurance needs please contact Rob.
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.
Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.