Protecting architects from less than £55* per year
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Architect insurance is built around one professional fact: your drawings outlive your involvement. A specification signed this year can produce a claim in five, when the defect appears, the loss crystallises and everyone re-reads the documents with lawyers present. That’s why professional indemnity insurance leads the policy for architects, and why the Architects Registration Board expects registered architects to carry adequate cover as part of practising at all.
Professional Saver insures architects and small practices from £55* a year, with public liability as standard and professional indemnity scaled to your projects and obligations. Quote online in five minutes; documents arrive the same day.
Professional indemnity insurance carries the real weight. If a client claims your design, specification, contract administration or site advice caused them financial loss, professional indemnity insurance covers the compensation and the defence, including allegations of professional negligence that never survive scrutiny but still cost real money to answer. Because architectural claims surface long after completion, PI works on a claims-made basis: the policy must be live when the claim arrives, which is why architects keep cover running continuously, including into retirement wind-down (run-off is a conversation worth having early, not late).
Public liability insurance answers for the physical world around the work: a client injured during a site visit you’re leading, property damaged during a survey. Public liability insurance comes as standard with every policy at £1 million, with options up to £10 million for practices whose site presence demands it.
Supporting covers complete the picture: business contents and equipment cover for workstations, plotters and survey kit (£100 excess), legal expenses as standard, and employers’ liability, usually a legal requirement once the practice employs anyone.
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Employers Liability
Business Contents & Equipment
Personal Accident
Short Term Income Protection
Professional Indemnity*
* Due to the specialist nature of your profession, we’ll arrange a separate policy for your professional indemnity cover to complement your Professional Saver policy. Please get a quote online for the other covers you need and contact us to discuss your personalised professional indemnity quotation.
Complete our simple quote form with basic details about your business.
Get an instant quote & choose any optional covers you may need.
Instantly activate your Professional Saver policy and view your certificates online.
Effectively, yes. The ARB’s code expects registered architects to have adequate and appropriate professional indemnity cover in place, and clients, lenders and collateral warranty arrangements add their own requirements on top, usually with named limits. RIBA chartered practice requirements point the same direction. Unlike some regulated professions, there’s no single compulsory policy wording, which leaves the practical question with you: match the level of cover to your registration obligations, your contracts and the value of what gets built from your drawings, and check all three before you quote rather than after a letter arrives.
Our insurance policies include public liability, products liability, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. Professional indemnity is added at the level your obligations require, covering:
Describe the practice honestly when you quote: the mix of full design services, contract administration and site inspection duties shapes both the premium and the fit of the cover, and risk management is easier priced in than argued about later.
From £55* a year for the base policy, with professional indemnity the dominant variable: the limit your obligations demand, the value of projects your drawings feed, your claims history and the duties you retain on site. A sole practitioner doing residential extensions and a practice administering commercial contracts occupy different ends of the range. No broker required: get a quote online and the difference is itemised in about five minutes. Monthly instalments are available, which suits practice cash flow better than most business insurance does.
Architecture is the long game of the professions: buildings, obligations and liabilities that all outlast the project file. Get an architect insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and let the policy hold the decades so you can hold the design.
* Total number of live policies as of 31/10/2025
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
Start with your obligations: ARB adequacy, any RIBA chartered practice requirements, and the limits named in your appointments and collateral warranties. Then sanity-check against the projects themselves, because the exposure is the cost of rectification and consequential loss, not your fee. When the answers disagree, the highest number wins, and the PI insurance limit can rise at renewal as the book of work grows.
PI responds on a claims-made basis: it covers claims made while the policy is live, including claims about earlier work, subject to the policy’s terms about when you first knew of a problem. The practical rules are to keep cover continuous, disclose known circumstances honestly at renewal, and notify early when something smells like a future claim.
The covers work the same way; what changes is the regulatory layer. Without ARB obligations, your PI level is set by contracts and project values alone. Describe the work precisely when you quote (architectural design only, design and build support, interior architecture) and the policy shapes to it. Our design insurance page covers the broader design world too.
They add the public liability dimension: site presence means physical risk to people and property around you, and main contractors often require proof of PL at stated limits before granting access. Both covers sit in the same policy here, so the site paperwork and the PI certificate come from one place.
Claims can arrive after the last invoice, and a lapsed policy doesn’t answer them. Run-off cover exists for exactly this; raise it with us when wind-down is on the horizon so the tail of your liability is covered as deliberately as the years of practice were.
