Simply Business homepage
  • Business insurance

    • Business Insurance FAQs

    Business insurance covers

  • Support
  • Claims
  • Sign In
Call Us0333 0146 683
Our opening hours

Architects and surveyors insurance

Join over 900,000 UK customers with Pi cover from £1.90 per month*

Get tailored quotes in 7 minutes

Start your quote
  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored insurance for architects and surveyors from trusted brands

Surveyor using theodolite outside

Compare quotes from leading brands

  • Hiscox insurance
  • Axa insurance
  • Zurich insurance
  • AIG insurance
  • Churchill insurance
  • RSA insurance
Liked icon

Rated 4.7/5

Based on 39,760 reviews

Precise icon

Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Architects and surveyors insurance – why is it important?

Architects and surveyors encounter a variety of risks – and having cover in place for when things go wrong may be a regulatory requirement. The good news? Business insurance is there to help cover the cost of a claim, whether that’s a result of an accident, a fire on your premises, or another unexpected event.

  • professional indemnity insurance for architects and surveyors insurance, UK claims and contact team
  • public liability between £1 million and £10 million
  • peace of mind, letting you focus on your business, not the what-ifs

Start your quote

What does architects and surveyors insurance cover?

Professional indemnity insurance covers legal and compensation costs if a client suffers financial loss because of your work. This protects you if you’ve given bad advice or you provided a service that didn’t meet the expected standards. Then, you can add covers that protect against other risks.

Professional indemnity

In case a client loses money because of your advice, services or designs.

What’s typically covered by professional indemnity insurance for architects and surveyors?

Claims against your business for:

  • negligence or mistakes that leave your client out of pocket, leading to costly legal
  • disputeswhen your client decides your work is inadequate and you lose out financially fixing it
  • other faults that lead to fines, claims, or other losses for your client

For example :

  • a client alleges that you gave them poor advice, leading to costly legal dispute
  • someone sues your client for defamation following something your business said about them
  • you lose important documents, meaning your client misses a tax deadline and gets a fine

Read more about professional indemnity insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by architects and surveyors public liability insurance?

Claims against your business for:

  • damage to someone’s property, because of your business
  • injuries or illness caused by your business activities
  • an employee (if you have any) accidentally damages property or causes injury

For example:

  • a client is injured by a forklift operator while visiting your business, and makes a claim against you
  • a maintenance professional slips on your shop floor following a spillage, fracturing their knee
  • your employee uses a new product with a client, and they have an allergic reaction to it

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your company

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury that happens as a result of working for you (including temps and casual workers)
  • an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee injures their lower back while moving furniture at your premises and holds you responsible
  • an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
  • a member of staff trips over while unloading business equipment, injuring their knee

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

  • destruction and damage of your contents equipment, such as furniture or photocopiers
  • cover for flood or fire damage, plus theft and vandalism

For example:

  • some of your business equipment, including a printer, is damaged by a fire
  • several TV screens you use for virtual meetings are stolen by thieves
  • an upstairs leak in your premises causes damage to the sofa and chairs in your reception area

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

Claims against your business for:

  • costs and expenses for contractual disputes arising from an agreement
  • cases relating to civil action taken against you for compensation under data protection legislation
  • employment disputes and compensation, for both employees and volunteers

For example:

  • a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
  • your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
  • you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • accidental injury or death at work or elsewhere, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you twist your ankle while exercising and can’t work for over a week
  • one of your employees, who’s named on the policy, traps their hand in a car door and needs to rest it for two weeks
  • you’re working near a building site and an extremely loud noise results in sudden hearing loss

Read more about personal accident insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What's typically covered by excess insurance?

Claims made by you for:

  • the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy

For example :

  • after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
  • a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
  • a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does architects and surveyors insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £1.90 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

*How we work out example prices 10% of our customers paid up to £22.81 a year for a professional indemnity insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £1.90 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4,000

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

Simply Business

Direct to
insurer

Highstreet
broker

Compare policies from a range of trusted insurers

Buy online or over the phone in minutes

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do insurance claims work for architects and surveyors?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,760 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Architects and surveyors insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for architects and surveyors

Tradesperson measuring wood

11 March 2022 • 8-minute read

How to start your own business: a 9-step guide

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter
Architects and surveyors insurance

Insurance

Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers’ liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceVan insuranceInsurers

About

About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite map

Customer support

Contact & supportPolicy renewalMake a claimProof of policyComplaintsAccessibility

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Northampton 900900 Pavilion DriveNorthamptonNN4 7RG

Careers

Careers at Simply BusinessTech careersCurrent opportunities

Benefits

BenefitsRefer a friendFinance

Legal

Terms & conditionsPrivacy policyCookie policyVuln Disclosure policy

Knowledge

Knowledge centreOpinionsMicrosites

© Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.