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Design errors & omissions
The risks architects face everyday:
Non-compliant material specification
Fee & scope disputes
Contract administration disputes
Cyber exposure
A missed clearance, load calculation or code requirement can trigger a negligence claim well after completion.
Specifying a product that later fails safety or compliance standards can expose you to rectification claims.
Disagreements over scope creep or unpaid fees can escalate into formal disputes with clients.
Site instructions, variations and certifications you sign off on can become the basis of a claim if something goes wrong.
Client data and project files held digitally are a target, and a breach can disrupt active projects.
Architects Insurance
Insurance designed for architects and their risks.
We understand the liability that runs from concept design through to contract administration.
Design & Documentation Specialists
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Decades of insurance expertise across residential and commercial projects.
35+ Years
Experience
Local claims advocacy and guidance when you need it most.
Claims
Support
Insurance programs built around your practice size, project mix and registration requirements.
Tailored
Cover
As an architect, your liability doesn't end when a project is built. A design error, an overlooked code requirement, or advice given during contract administration can surface as a claim years after handover, long after the project is finished and sometimes after you've moved firms. Professional indemnity is compulsory for a reason: architecture carries long-tail risk that standard business cover was never built to handle. The right program accounts for how long that exposure runs, not just the length of the project.
Ferguson Brown specialises in the construction, property and development sectors, so we understand the registration requirements architects work under and how liability moves from design through documentation, contract administration and years beyond project completion.
Other insurance requirements for builders:
Business Insurance
Covers your office contents, equipment and business interruption if an incident stops you from working.
Workers Compensation
Compulsory once you employ staff, covering their income and medical costs if they're injured at work.
Professional Indemnity
Covers claims of negligence, error or omission in your design, documentation or contract administration, the cover registration boards require you to hold.
Public & Products Liability
For third-party injury or property damage arising from the site, sales suite or display homes, usually required by councils and financiers.
Motor Vehicle
Covers vehicles used for site visits and inspections against accident, theft or damage.
Learn more
Run-off Cover
Protects you against claims made after you stop practising, change firms or wind up a practice, since design liability can surface years after a project is finished.
Management
Liability
Protects the directors and officers of the development company against claims relating to insolvency, mismanagement or breach of duty.
Cyber
Protection
Essential where buyer deposits, personal information and contracts are handled digitally through sales and settlement.
Blogs Articles
1. Professional Indemnity Insurance
Every state architects registration board requires practising architects to hold PI insurance as a condition of registration, with minimum cover levels set by each board.
What the law requires of property developers:
2. Certificate of Currency
Boards require proof of current, compliant cover, and you're responsible for providing an updated certificate whenever your policy changes or renews.
3. Run-off Cover
Design liability can surface years after a project is finished, so cover needs to continue after you stop practising, change firms, or your registration status changes.