Insurance for Architects

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Why do Architects and Architectural firms need insurance?

Architects need business insurance to protect their firm from potential risks, liabilities, and financial losses associated with professional errors, property damage, accidents, and legal claims.


What should I consider before purchasing insurance for my Architectural Firm?

Protecting your business from unexpected events and challenges is where business insurance comes into play, providing cover for when you need it most for things like buildings, business interruption, public liability claims and theft.

Types of Insurance for Architects


Professional Indemnity

As an architect or draftsperson, you understand the complexities of intricate projects. A small mistake can lead to significant consequences and costly Professional Indemnity claims. Fortunately, this insurance offers reliable protection for specialized services, safeguarding against losses from negligence. It covers compensation for third parties and defense costs. Remember, it operates on a "claims made" basis, so consider run-off insurance even after closing your business. With Professional Indemnity insurance, your business is protected, allowing you to focus on delivering services with confidence.

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Public Liability

Is Public Liability insurance necessary for you? In all likelihood, the answer is yes. Considering your regular interactions with clients, contractors, and the general public, having Public Liability insurance is crucial. This insurance coverage is specifically designed to protect you and your business in the unfortunate event that a customer, supplier, or member of the public suffers injury or property damage due to your business activities' negligence.

Comprehensive business 

Architects need comprehensive business coverage to protect themselves from financial losses and legal liabilities that can arise due to design errors, property damage, client injuries, cyber risks, contractual obligations, and other unforeseen events related to their profession. This coverage provides peace of mind, helps meet client and contractual requirements, and ensures compliance with industry regulations.

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Did you know?

The South African Council for the Architectural Profession (SACAP) requires registered architects to have Professional Indemnity Insurance as a condition for maintaining their professional registration.

Professional Indemnity Insurance provides coverage for architects in case they are held legally liable for errors, omissions, or professional negligence that may result in financial loss or harm to their clients.


Getting the right insurance for Architects

South Africa's Architects are unique, having its own risks and insurance needs. Bi-me gives you access to multiple quotes to compare with some of South Africa’s top insurers, so you can choose the right cover to suit your business.

Our friendly team is only a phone call or a few clicks away to assist with getting your business covered in minutes.

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Could this happen to my business?

Input Errors

In this scenario, an architect utilized computer-assisted design to prepare a town planning application for a self-storage facility. However, during the drawing preparation process, an error occurred while inputting data into the system.

This error went unnoticed, resulting in the actual construction being three meters shorter than originally planned. Subsequently, the property was sold to a development company.

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