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Whether you’re a self-employed architect or surveyor or you have your own firm, insurance is a key consideration. The Architects Code, published by the Architects Registration Board (ARB), states that architects ‘are expected to have adequate and appropriate insurance cover’. Similarly, if you’re a surveyor regulated by the Royal Institution of Chartered Surveyors (RICS), you need to follow their Rules of Conduct, which require firms to ‘ensure that all previous and current professional work is covered by adequate and appropriate professional indemnity insurance cover’.
Simply Business offers tailored policies for architects, landscape architects and surveyors. You can buy your professional indemnity insurance with up to £2 million of cover, as either a stand-alone cover or as part of a combined policy with other covers such as public liability insurance and other business insurance you may need.
Professional indemnity insurance is the central insurance cover for architects and surveyors. It covers compensation claims made against you because you’ve given faulty advice or made a mistake in your work. For example, if your architecture firm makes a mistake in plans for a building that means it collapses after it’s constructed, the client may make a compensation claim against you.
Your professional indemnity insurance can cover the cost of the compensation payment and the legal fees. The ARB recommends architects have at least £250,000 of cover, but we offer cover levels up to £2 million. When you’re deciding how much cover you need, you should think about the size of your client contracts and how much it would cost to redo the work if something went wrong.
You can buy professional indemnity insurance as a stand-alone cover or as part of a combined policy with other covers. At Simply Business we offer between £50,000 and £5 million in professional indemnity cover.
Public liability insurance can also be important for architects and surveyors, as it’s useful for any business that interacts with members of the public. It covers compensation claims made by someone (for example a client, a supplier or a passerby) for injury or damage that’s caused by your business. For example if a client visited your office for a meeting and slipped on a loose floor tile, they could claim compensation for the injury they suffered. We offer £1 million to £10 million of public liability cover.
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© Copyright 2019 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.