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Architects Insurance

Architects
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Why is insurance a must for architects?

Designing buildings may be rewarding, but it also comes with many risks. Even the most experienced architects can make a mistake that could injure someone or cause financial loss. Architect insurance offers peace of mind by providing protection against client lawsuits, injuries, data breaches, and more.

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Get the right coverage quickly

TechInsurance helps you compare insurance quotes from top U.S. insurance companies with our easy online application to get the best architecture business insurance.

6 insurance policies every architect should consider

These insurance policies protect against the most common risks and liabilities in the architecture industry.

Professional liability insurance

Professional liability insurance icon

Professional liability coverage handles lawsuits related to professional negligence, such as a mistake in your blueprint. It's also referred to as errors and omissions insurance or E&O insurance.

BEST FOR
  • Missed deadlines
  • Breach of contract
  • Design errors and oversights

General liability insurance

General liability insurance icon

A general liability insurance policy defends against third-party lawsuits, such as a client who slips on a wet floor at your office and injures themselves. It's often required for a commercial lease.

BEST FOR
  • Client bodily injuries
  • Accidental damage to a client's property
  • Defamation and copyright infringement lawsuits

Business owner's policy

Business owner’s policy icon

A business owner's policy, or BOP, combines commercial general liability coverage and commercial property insurance at a discount. Small firms are often eligible for this bundle.

BEST FOR
  • Slip-and-fall injuries
  • Defense costs from client property damage
  • Business property damage

Workers' comp insurance

Workers’ compensation insurance icon

Workers' compensation insurance protects design firms and sole proprietors from work-related medical bills health insurance won't cover. Most states require this coverage for employees.

BEST FOR
  • Medical expenses from workplace accidents
  • Disability benefits for injured workers
  • Legal costs from work injuries

Cyber insurance

Cyber liability insurance icon

Cyber insurance helps design professionals recover from costly cyberattacks and data breaches. It's also called cyber liability insurance or cybersecurity insurance.

BEST FOR
  • Ransomware attacks
  • Client notification costs
  • Data breach investigations

Commercial auto insurance

Commercial auto insurance icon

Almost every state requires commercial auto insurance for vehicles owned by an architecture business. It covers costs in the event of an accident involving your business vehicle.

BEST FOR
  • Auto accident legal fees
  • Vandalism or other vehicle damage
  • Vehicle theft

Architect insurance costs

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From our customer data, here's a quick look at design insurance costs. On average, architects pay the following for coverage:

General liability: $33 per month
Business owner's policy: $57 per month
Professional liability: $141 per month

Factors that insurance companies consider when underwriting your insurance premiums include:

  • Your professional services offered
  • Number of employees
  • Value of your business property
  • Types of insurance products purchased
  • Coverage limits and deductibles
  • Claims history
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Why architects choose TechInsurance

Get insured quickly with TechInsurance

Get insurance fast so you can get started working with clients. Fill out our easy online application, choose a policy, and pay online to start coverage today.

An architect working on a model for their latest office development project
Get insured quickly with TechInsurance
Get insurance fast so you can get started working with clients. Fill out our easy online application, choose a policy, and pay online to start coverage today.
Gain client confidence
Insurance shows clients your business is reliable, and some contracts even require it. View and print your certificate of insurance anytime with TechInsurance.
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Get answers to technical questions
TechInsurance has licensed insurance agents who specialize in architect insurance in all 50 states. You’re assigned a dedicated account manager who’s ready to help.
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Common questions about business insurance for architects

Review answers to frequently asked questions (FAQs) about architect business insurance coverage.

Is liability insurance required to get an architect license?

Generally, insurance coverage isn't required in order to obtain your architecture license. However, the specifics depend on the laws in your state. Your clients might also require you to carry insurance as part of the terms of a contract.

In most states, architects must complete the following to meet licensure requirements:

In addition, architects typically have to pay an application fee and renew their license after a certain number of years have passed.

What other insurance coverage do architects need?

There are a couple of additional types of business insurance policies you should consider as part of your risk management plan to cover liability exposures and potential financial loss:

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