Architect Insurance

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Architect insurance option

Insurance designed to protect your Architects business

BizInsure lets you get quotes and buy insurance online in minutes to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Professional liability (E&O)
  • Workers compensation
  • Business Owner’s Policy (BOP)

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Choose the Cover that Suits Your Business

With BizInsure you can choose to pay for your insurance monthly or annually and you can also choose buy your insurance online or over the phone.

Basic cover
  • Professional Liability
  • Per occurrence $500,000
  • General Liability
  • Per occurrence $1,000,000
  • Workers Compensation
  • Per accident $100,000
  • Commercial Property
  • Per occurrence $25,000
Comprehensive cover
  • Professional Liability
  • Per occurrence $2,000,000
  • General Liability
  • Per occurrence $3,000,000
  • Workers Compensation
  • Per accident $1,000,000
  • Commercial Property
  • Per occurrence $25,000
Architects looking at a paper

Professional Liability insurance

Also referred to as E&O insurance Professional Liability insurance covers claims made by a third-party alleging that they suffered financial harm due to the advice or services your business provided.

Your Professional Liability insurance coverage will often extend beyond a project’s completion, to cover issues that may appear after your work is finished.

Professional Liability can cover:

  • Legal expenses
  • Claims made by a third-party
Architect banner image

General Liability

This type of policy can protect you against third-party claims regarding injury or damage to their property. Your policy will cover the legal expenses and cost to replace or remedy the situation up to the limits of liability in these instances.

General Liability can cover:

  • Legal expenses
  • Cost to replace or remedy the situation
Architect insurance

Business Owner’s Policy

This is a combination of policies, that help protect small businesses from costly interruptions to service.

A BOP commonly combines:

  • General Liability insurance and business personal property coverage into one convenient policy.
Architects discussing

Workers’ Compensation

These policies shield your business against medical expenses and lawsuits resulting from employee workplace injuries and serious illnesses.

Workers’ Compensation insurance typically also pays:

  • Lost wages as a result of the employee’s work injuries.
  • Medical expenses resulting from employee workplace injuries.
How much does is cost

How much does architect insurance cost?

Every architect and architecture firm are different. What you could pay for Professional Liability/Errors and Omissions insurance will vary based on factors, such as:

  • Your location
  • Size of business
  • Amount of coverage needed
  • Your risk management procedures
  • Claims history

The most reliable way to learn how much a Professional Liability/Errors and Omissions insurance policy that meets your needs will cost is to compare quotes from multiple insurers.

When is Architect Insurance required?

If your business involves building or designing buildings, your business faces risks around your advice, injury at work sites as well as damage to buildings and property.  Here are 4 reasons you may want to consider insurance for your business:

  • Professional Liability insurance is not mandated in many states, however federal law often makes it compulsory for any architect or engineer who wants to work on a government contract.
  • Most companies and individuals putting contracts for design out to tender will demand that those they are working with have Professional Liability insurance.
  • Whilst Professional Liability insurance many not mandated in many states – Workers Compensation is generally required.
  • If you own your premises you will want to ensure your premises are protected against an unforeseen event

Frequently asked questions about architect business insurance

Here are some of the most common questions we get about business insurance for architects.

What does architects insurance cover?

Professional Liability or Errors and Omissions insurance for architects covers a range of liability claims, including:

  • Errors and Mistakes
  • Omissions
  • Undelivered services
  • Missed deadlines
  • Negligence
  • Breach of contract

This form of coverage is an important way for architects to help protect themselves professionally. Professional Liability/Errors and Omissions insurance pays for the legal costs associated with an above claim, up to the limits of liability, so you’re not left to pay them from your own financial accounts.

Why do architect firms need business insurance?

Architecture firms often take out different types of business insurance, including Professional Liability (also known as Errors and Omissions) insurance, to help protect themselves and their employees.

Architects regularly use their expert knowledge and skill to give clients advice that is used to make important decisions. If this advice results in a financial loss for a client, the firm itself could be found responsible. A firm may decide that Professional Liability insurance is necessary to cover their architects as they carry out work for the firm.

Architecture firms may also take out other forms of business insurance to help shield them against common risks to their business. This may include Workers’ Compensation, General Liability, or a Business Owner’s Policy. These coverages can protect against events such as workplace injuries, damage to client property, and business interruption, along with many others.

What type of business insurance do architects need?

Professional Liability or Errors and Omissions insurance is just one type of policy that architects commonly consider. Other forms of coverage may be necessary to help fully shield you from on-the-job risks that architects often face.

Other types of insurance that architects consider include:

General Liability – This type of policy can protect you against third-party claims regarding injury or damage to their property. Your policy will cover the legal expenses and cost to replace or remedy the situation up to the limits of liability in these instances.

Business Owner’s Policy – This is a combination of policies, that help protect small businesses from costly interruptions to service. A BOP commonly combines General Liability insurance and business personal property coverage into one convenient policy.

Workers’ Compensation – These policies shield your business against medical expenses and lawsuits resulting from employee workplace injuries and serious illnesses. Workers’ Compensation insurance typically also pays lost wages as a result of the employee’s work injuries.

Insights on Architect Insurance

From conceptualizing the design to construction, architects are involved in every aspect of the art and science of the building process. Apart from the aesthetics of the exterior and interior.
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As architecture is a highly skilled field that demands competency in multiple domains including engineering, design, communication, management, information technology, and much more, it is important to have a strong.
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05:51 23 Nov 22
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Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
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I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
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MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
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19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
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22:21 02 Sep 21
Eugene was Awesome!!!!
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Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
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Done in less than an hour!
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00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
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21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
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03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
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23:26 12 Nov 20
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16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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01:52 12 Sep 20
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02:41 27 Aug 20
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00:47 26 Aug 20
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22:34 22 Jun 20
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21:51 04 Jun 20
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02:03 04 Jun 20
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Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
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22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
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14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
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17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
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23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
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