Business insurance for Architects


Precision is a key aspect of an architects’ work – insurance might therefore be an important precaution for protecting your carefully-crafted professional standing.

From producing schematic designs and presenting computer renderings through to design development and beyond, architects create amazing things.

Despite this attention to detail, there’s always the possibility of misunderstandings or errors – whether your fault or not. These can lead to legal disputes with clients or contractors which can be costly to rectify.

Comprehensive insurance for architects can help to protect your business in the event of claims for disagreements, accidents and injuries.

 

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Why choose Hiscox for architect insurance?


1

Referral rewards with HiscoxRecommend Hiscox business or home insurance products to family and friends and you could receive up to £100 with the refer-a-friend scheme. T&Cs apply.

2

Benefit from business support

Our Business Support Hub includes free and discounted access to services ranging from HR and legal advice to accounting.

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Cover from £10 a month*Our quotes for business cover begin at £10 a month - we'll work with you to build tailored insurance for architects.

*Figures based on policies from at least 10% of our customers

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Tell us about your business – We’ll help you to build your quote and explore your insurance needs.

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Why do architects need insurance?


A client fall

An architect’s studio is often full of equipment for the design process including computers loaded with essential software plus drawing, measuring and cutting tools. Upon visiting your office to discuss an extension for her private home, your client trips on a roll of graph paper, breaking her wrist. Should she choose to make a claim, you will be covered for the legal costs of both defence and settlement with a public liability policy built into your architects’ insurance.

Protect your tools

The architectural process of your latest project is moving forwards, so you meet the client and contractor on site to discuss plans. You take your laser measurer to accurately amend your designs and visualise the next phase of the project. Unfortunately, the contractor knocks your arm as you’re taking measurements and your expensive piece of kit is broken. However, with the assistance of tool insurance, the cost of getting your measurer repaired or replaced is covered.

Stolen equipment

While you’re in the midst of working on numerous exciting projects, your office is broken into overnight. When you arrive in the morning, you discover expensive and important computer equipment has been taken and other business assets damaged. This theft means that work on projects has to stop and you lose both precious time and income as a result. Fortunately, including office insurance in your architects’ policy can cover the cost of equipment replacement to quickly get you back in business.

What cover is included in insurance for architects?


Architects might also benefit from the support of several other types of business insurance. These include cyber and data cover, portable equipment insurance, cover in the event of a personal accident, employers’ liability insurance and also professional indemnity.

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These are just some of the types of business insurance for architects that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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Insurance for architects: FAQs


Does my architect insurance cover me for working abroad?

Absolutely, providing you live in the UK, an architects’ insurance policy you tailor with Hiscox can cover you for work overseas.

We understand that the work of an architect isn’t limited to the country you live in and you could be invited to work on a dream project anywhere in the world.

Whether you’re embarking on a new venture as a self-employed architect and want to embrace every opportunity, or you’re the sought-after owner of an architectural firm, we’ve got you covered.

I need proof of cover before securing my next contract. Does Hiscox provide this?

Yes – at Hiscox, we understand that industries operate in different ways and certain sectors have particular expectations and regulations professionals need to follow.

That’s why we ensure you receive your proof of insurance in the form of policy documentation. When you buy a tailored policy online, this arrives by email within minutes. A certificate, or proof of insurance document, provides a summary of your policy.

You can expect this document to include the following:

  • The type of cover you purchased
  • Who is insured by the policy
  • The insurance company you’re covered by
  • Any limits on the policy
  • The dates your insurance cover spans

What architect insurance do I need while working from home?

Architects working from home might want to consider a package of insurance to cover their home-based business for a number of potential risks.

Unless your home insurance policy is extremely comprehensive, there’s a chance your business won’t be covered by that alone. You’re also likely to handle sensitive client or contractor data on a tablet or laptop, so safeguarding against cyber risks could be a smart move.

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