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Why do architects need insurance?
Designing or renovating a building poses significant challenges and risks for your architectural firm. If a client sues over scope creep, or a design flaw leads to an injury, your business could face a lawsuit. Insurance for architects protects against legal costs, medical bills, and other losses.
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With Insureon, architects can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of business insurance do architects need?
These insurance policies cover the most common risks for architects.
General liability insurance
A commercial general liability policy covers basic risks, including customer slip-and-fall injuries. Bundle it with property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for architects to buy commercial property insurance and general liability coverage together.
BEST FOR
- Customer injuries
- Damaged customer property
- Business property damage
Professional liability insurance
Professional liability coverage helps pay for legal defense costs related to work performance, such as an error in a blueprint. It's also called errors and omissions insurance or E&O insurance.
BEST FOR
- Budget overruns
- Professional negligence
- Design errors
Workers’ compensation insurance
Workers’ comp is required in almost every state for architecture businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This policy helps architects recover from data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive information.
BEST FOR
- Client notification expenses
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
This policy helps cover the cost of property damage and injuries in an accident involving a vehicle owned by an architecture firm. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your car
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does architect insurance cost?
A small business with a few architects will pay less for insurance than a large company.
Factors that affect architect insurance premiums include:
- Architectural services offered
- Business property and equipment
- Location
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get architect business insurance?
It's easy to get architect business insurance coverage and surety bonds if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right coverage for your architecture firm, whether you work independently or hire employees.
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