Insurance for Architects
Up to $10M Professional Indemnity cover
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What is architects’ insurance?
Architects’ insurance (the various types of business insurance available to architectural businesses) helps you manage the cost of different risks, like professional negligence claims, third party injuries, and damaged equipment.
Mistakes in your work, a client suffering a trip-and-fall injury in your offices, stolen equipment… The potential worries for a busy architect are seemingly endless—and expensive!
If paying unexpected bills wasn’t a part of your grand design, then you may want to consider business insurance.
Why do architects need insurance?
Architects may need business insurance to become licensed, meet contractual requirements, and pay unplanned expenses.
Obtain and maintain a professional license.
Work with specific clients.
Replace damaged or stolen equipment.
Manage unfair dismissal and other workplace claims.
Who needs architects’ business insurance?
Business insurance is considered a must for many types of architectural businesses, including architects, interior designers, and town planners.
Architects
Architectural Designers
Architectural Drafting Services
Interior Designers
Landscape Architects
Town Planning Services
What types of insurance do architects typically consider
BizCover has insurance options for architects, drafts people, interior designers and many more architectural businesses.
Tailor your quote to your business, compare cover, and buy online in minutes.
Popular cover types for architects:
Architects may also consider:
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How much does architects’ insurance cost?
The average cost of business insurance for architects is $96 per month* with BizCover. However, the amount you pay will depend on several factors, like the number of employees covered and the services you provide.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory profession requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
The prices are real, get that new policy feel
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
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- Business Details
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
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will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Professional Indemnity insurance is known as ‘claims made’ cover, which means you need your Professional Indemnity insurance to be in place when the claim is made against you. So, even if you have shut up shop, retired or decided you’d rather be sipping cocktails on a tropical beach, you should consider run-off insurance which continues to provide important Professional Indemnity cover for your business for any claims arising from work you do before finishing up but which are notified to you after the doors have closed.
A Business Insurance Package is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).
Architects can customise their Business Insurance Package to include just the cover that makes sense for their business needs, such as Portable Equipment* or Electronic Equipment* covers to help protect your tools of the trade and laptop.
Hear from our customers
Real-life customer reviews verified by Feefo
So easy to do. I normally find this kind of thing daunting and confusing but this made it so much easier and quicker.
C Abrey Caville
Simple easy to follow process, I liked that you could go back and change options and not have to refill options you had chosen already if you re-chose them
Nick B
This is fabulous!! In the past applying for PI Insurance has been a slow painful exercise
Yammie O
This service is amazing, I won a client on Friday and now I am fully insured ready to start design work on Monday. Unbelievable!
Tessa R
Very easy and truly online service. Simple web interface layout as well.
Gajendra S
Real-life customer reviews verified by Feefo