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Insurance for architects in Texas

Learn about business insurance requirements and the most common policies for architects in Texas.

Which policies are required for architects in Texas?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by architects in Texas, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

Your clients may require professional liability insurance in a contract. Also called errors and omissions insurance (E&O), professional liability insurance provides financial protection if a client files a lawsuit over late, erroneous, or incomplete work.

In Texas, workers’ compensation coverage is not required, even if you have employees. However, private employers who work on public projects must have this insurance.

Business-owned vehicles must be covered by commercial auto insurance. Personal vehicles used for business purposes should have commercial coverage, as well.

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What are the most common policies for architects in Texas?

Architects in Texas most often need the following insurance policies. The specifics depend on client contracts, lease agreements, the number of employees, and other factors.

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General liability insurance

General liability insurance is the foundation of an architect’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

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Business owner's policy (BOP)

Architects often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.

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Professional liability insurance

Many clients require proof of professional liability insurance before entering into contracts for professional services. This policy, also called errors and omissions insurance or architect liability insurance, can help cover legal expenses if you’re sued for unsatisfactory performance or a work mistake.

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Workers' compensation insurance

In Texas, workers’ compensation coverage is not required, even if you have employees. However, private employers who work on public projects must have this insurance. Even though you’re not required to have workers’ comp, you're still responsible for employee medical bills when they are hurt on the job. This policy can help pay for medical expenses and lost wages associated with occupational injuries.

If you don't purchase workers’ compensation insurance in Texas, you are considered a non-subscriber and are required to:

  • File an annual notice with the Division of Workers' Compensation
  • Post notices in your personnel offices and workplaces
  • Tell each new employee in writing that they don't have workers' compensation

Workers' comp is strongly recommended, even for sole proprietors and independent contractors, as health insurance companies can deny claims for injuries related to your job.

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Cyber liability insurance

Architects who store sensitive customer information, such as email addresses or credit card numbers, should invest in cyber liability insurance. This policy helps businesses recover from cyberattacks and data breaches. For example, it would cover the cost of notifying affected customers and providing them with fraud monitoring services after a breach.

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Commercial auto insurance

Commercial auto insurance can cover vehicles your business owns or uses for business purposes. If your vehicle is involved in an accident, this policy can cover your liability for another person's bodily injuries and property damage. It can also pay for vehicle theft, weather damage, and vandalism.

Texas' requirements for auto insurance are:

  • $30,000 in bodily injury liability or death liability per person
  • $60,000 in bodily injury liability or death liability to more than one person
  • $25,000 in property damage per accident
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License and permit bonds

Architects might need a license or permit bond to obtain a license in their state or work on a project. These bonds are types of surety bonds that guarantee you will fulfill the terms of a contract and adhere to local regulations. The contract will usually specify the size of the bond that you need.

Texas architects must earn a degree and gain experience in the field in order to get licensed.

What do architects in Texas pay for insurance?

In Texas, the cost of architect insurance runs lower than the national median for most policies, according to an analysis of Insureon applications.

Professional liability insurance costs Texas architects about $1,350 annually, significantly less than the national median cost for this policy.

Workers' compensation insurance for Texas architects costs about $490 annually, less than the national median. However, Texas architects tend to pay more for a business owner’s policy than architects in other states.

Median insurance costs for Texas architects.

Save time and money with Insureon

Insureon’s industry-leading technology helps architects in Texas save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Texas and can answer your questions as you consider coverage.

To make the application go quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

Apply for free architect insurance quotes today.

Updated: May 6, 2022
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