July 21

Expert Strategies & Tips for Buying Architect Insurance


Expert Strategies & Tips for Buying Architect Insurance

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Architecture is an expensive industry, so getting architect insurance is crucial to protecting your business from financial danger.

What is Architect Insurance?

Architects are critical to society, but sometimes a design or client can go astray, exposing you or your architectural company to significant financial risk from lawsuits.

For this reason, it’s critical to have architects insurance.

Like any business, all architects should have architect professional liability insurance to cover themselves in the event they make a mistake that results in financial loss to a client.

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However, the options for architect liability insurance are extensive, so you can customize the coverage you want based on your specific business and craft. 

In addition to risks specific to the architect industry, architects should also consider purchasing insurance to protect their equipment and data from hackers.

Should an Architect Company Have Insurance?

It’s critical for every architect company to have architect errors and omissions insurance because your clients or employees could sue you, costing you millions of dollars.

Aside from the headache this causes, the financial implications could permanently destroy the future of your business.

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Do I Need Architects Insurance?

All professional architects working on an individual contract basis should purchase architects insurance.

Unfortunately, it’s impossible to keep all clients happy, and you could find yourself in a legal battle. 

Furthermore, the when you design a building and something goes wrong, it can get expensive, so having insurance to cover you 'just in case' will give you more peace of mind.

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What Insurance Does an Architect Need?

The foundation of all architects insurance lies in an architects business owner’s policy, which is a combination of three insurance coverages. They include:

Purchasing a business owner’s policy in bundle form will help save you money compared to buying each of these three policies separately. 

Since architects spend so much time drafting blueprints, using computer programs to design structures, and billing clients, you should also consider purchasing insurance to protect your equipment and computers. 

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Furthermore, it’s important to have valuable papers and records insurance.

That way, should fire, water, or anything else out of control damage your blueprints and architectural plans, your architect liability insurance will cover you.

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Other Insurance Architects May Consider?

No matter how secure a system you use to store your client and employee records, hackers are always trying to gain access to sensitive information. 

By having data breach insurance, you’ll stay protected should hackers steal credit card information, social security numbers, and other sensitive contact information. 

Furthermore, loss of business income insurance can protect your long-term projects should something happen to your company’s records.

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Choose from a variety of business insurance options. Professional Liability, Cyber Insurance, Business Owners Policy, Workers' Compensation.  

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How Much Does Architect Insurance Cost?

The cost of architect insurance varies significantly depending on if you’re an individual architect or if you have employees you need to cover.

Factors that impact architect insurance costs include:

  • How many risks your architect company has
  • The amount of coverage you choose
  • How long you've been in business

Since people are quick to sue, the peace of mind that architect insurance offers makes it an excellent value.

Architect professional liability insurance cost may be something you need to absorb regardless, as some States require insurance for architects for the State License. 

That way, you can focus on doing what you do best—being an architect.


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