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What does architect insurance cover?

Architect insurance helps protect independent architects, architecture firms, and draftspeople from the cost of common risks related to planning and designing buildings and spaces, such as: 

  • Errors or mistakes in your designs 
  • Undelivered services and missed deadlines 
  • Breach of contract 
  • Third-party property damage claims 
  • Employee workplace injuries 

BizInsure understands the needs of architects. We offer instant coverage options designed for architecture professionals. 

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insurance for architects

Why do architects need insurance?

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. Business insurance helps architects cover the cost of claims, lawsuits, and compensation.

Professional Liability insurance may be required for architects to satisfy government contracts or work with specific clients. Workers’ Compensation insurance is mandatory in most states for architectural firms with one or more employees.

What types of insurance do architects need?

BizInsure offers a broad range of insurance solutions tailored to suit the insurance needs of architects, protecting against negligence and third-party claims. Buy your insurance online or over the phone.

General Liability

General Liability insurance

General Liability is the most common and essential type of business insurance. It can protect your business against bodily injury or property damage lawsuits from outside parties.

Coverage: Up to $1 million per occurrence / $3 million in the aggregate.

General Liability
Business Interruption insurance

Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) is a convenient insurance package that combines General Liability with coverage for your business property, inventory, and owned buildings.

Business Owners Policy
PL insurance

Professional Liability insurance

Professional Liability insurance, also known as Errors & Omissions insurance, protects you against claims of negligence, misrepresentation, or mistake that result in financial loss to a third party.

We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Professional Liability nurses
Workers comp

Workers Compensation Insurance

Workers’ Compensation insurance protects your business and employees in the event of a work-related illness or injury. This includes costs for medical care, replacement of lost wages, funeral costs, and disability support.

Workers Comp insurance

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How much does architect liability insurance cost?

General liability insurance for architect costs form $28.86 per month and Professional Liability insurance for architects starts at $41.26 month*.

    Cost factors
    architects insurance cost

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage

    Get flexible coverage to match your needs

    Get customizable coverage levels built for the structural, design, and professional risks of architecture practices.

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory Profession Requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size
    Cost factors
    architects insurance cost

    Factors influencing cost

    • Risks of the industry 
    • Coverage level amount
    • Annual turnover
    • Number of employees
    • Claims history

    The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

    Levels of coverage

    Get flexible coverage to match your needs

    Get customizable coverage levels built for the structural, design, and professional risks of architecture practices.

    Professional Liability insurance

    Coverage levels to choose

    • Up to $1 million per occurrence
    • Up to $3 million in the aggregate

    General Liability insurance

    Coverage levels to choose

    • $1 million per occurrence
    • $3 million in the aggregate

    Unsure how much to choose? Think about:

    • Statutory professional requirements
    • Coverage required by contracts
    • Number of employees being covered
    • Your contract value
    • Worst case scenario claim size

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