Kevin Shilling
3 months ago
Working as an architect comes with risks that aren’t always easy to predict. A mistake in a design, an issue with a project, a cyber-attack or a claim from a client could all have an impact on your business.
There isn’t one standard set of insurance that every architect needs because every business faces different risks. You need someone who’ll take the time to understand you, your work and the risks you face, so you can get the right protection in place.
That’s exactly what we can offer you at Robison & Co.
When your clients rely on your designs, advice and expertise, a mistake can have big consequences. An error in a design or specification could lead to delays, additional costs or a claim against your business.
There are also the everyday risks that come with running a business. You may have employees, expensive equipment, client data or an office to protect.
That’s why there isn’t one standard insurance policy for architects. The right cover depends on your business, the work you do and the risks that come with it.
The cover you need will depend on the work you do, the services you provide and the risks you face. An architect working independently won’t necessarily need the same insurance as a larger firm with employees, an office and multiple projects. That’s why it’s important to have insurance that reflects how your business works, rather than assuming the same cover will suit every architect.
At Robison & Co, we’ll take the time to get to know your business and help you put the right protection in place, making the insurance process as straightforward as possible without compromising on cover.
The insurance you need will depend on your business, the work you do and the risks you face. Some types of cover may be essential for your business, while others will depend on how you work.
Here are some of the insurance policies you may need to consider:
Protects against claims of negligence, errors, or omissions in your work.
Covers third-party injury or property damage caused by your business operations.
A legal requirement if you employ staff, covering claims from workplace accidents or illnesses.
Safeguards your practice against data breaches and cyberattacks, particularly important for managing sensitive client information.
Protects ongoing projects from damage, delays, or unforeseen events.
Other types of insurance, such as business interruption and directors’ and officers’ liability, may also be worth considering depending on how your business operates. If you’re unsure, our brokers can help you decide which cover is best for your business based on your individual risks.
Knowing you need insurance is one thing. Knowing which policies you need, how much cover is right and what you’re protected against is much harder.
You shouldn’t have to work that out alone. Having a broker who takes the time to understand your business means you can make informed decisions about your insurance, without paying for cover you don’t need or leaving important risks unprotected.
At Robison & Co, you’ll have a dedicated broker who’ll get to know you and your business, explain your options simply, and help you find cover that fits. And if you ever need to make a claim, we’ll be there to support you through it.
Whether you’re an independent architect or part of a larger firm, the right insurance starts with understanding your risks.
Contact us now and we’ll help you determine what cover you actually need to protect your business.
Yes, professional indemnity insurance is a regulatory requirement for architects, particularly those registered with professional bodies like RIBA or ARB.
Yes, we can tailor the geographical limits of your professional indemnity policy to cover you in the regions where your work is carried out. Please speak to one of our brokers for advice on your specific needs.
Yes, employer’s liability insurance can be extended to include temporary staff and contractors if you let your broker know.
