Architect Insurance for Independent Professionals and Small Firms 
Do architects need professional liability (Errors & Omissions) insurance?
Professional Liability Insurance for Architects That Covers Every Detail
Designing safe, functional spaces comes with high expectations and high risk. With architect insurance, you’re protected from claims related to design errors, project delays, or structural issues. Whether you work independently or lead a firm, professional liability insurance for architects helps safeguard your business, finances, and reputation so you can keep building with confidence.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Does Architects Insurance Cover?
At Gild, we help architecture firms build tailored architects insurance protection that focus on these key coverages:
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Professional Liability (E&O) Insurance – Covers legal fees and settlements tied to design errors or omissions.
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General Liability Insurance – Protects against third-party injuries or property damage during office visits or site meetings.
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Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
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Cyber Liability Insurance – Safeguards digital assets against breaches or cyberattacks.
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Business Interruption Insurance – Replaces lost income if operations are disrupted due to a covered event.
The best way to find your architect insurance cost is to get a free, online quote in minutes!
Why Architect Liability Insurance?
Architects juggle multiple responsibilities, from initial drawings to client management to overseeing construction. Even minor missteps can create costly disputes.
Architect liability insurance ensures you’re protected against:
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Professional Negligence or Errors – Claims of design flaws or oversights.
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Project Delays – Disputes tied to missed deadlines.
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Client Disputes – Allegations of miscommunication or unmet expectations.
Without coverage, these risks could jeopardize both your reputation and your business’s financial health.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Architect Insurance Today!
No two architecture firms are the same. Whether you’re an independent designer or managing a small team with multiple projects, Gild customizes architect insurance coverages around your client base, project scope, and risk exposure. That means no one-size-fits-all approach, just coverage that reflects the way you work.
Frequently Asked Questions
Yes! Professional liability is essential:
- It provides legal protection when design decisions, specifications, or project advice lead to financial losses for clients.
- Because architectural decisions carry real-world consequences, both client contracts and licensing bodies often require this coverage
Does architect insurance cover joint ventures or shared project risks?
Insurance for joint ventures can be nuanced:
- Professional liability may protect individual firm decisions—but shared risk demands clear contractual language.
- General liability can respond to accidents involving third parties, but shared-site coverage depends on policy limits and definitions.
- It's wise to clarify risk responsibility and insurance requirements in joint venture agreements, often involving tailored endorsements or combined coverage.
When multiple firms work together, contracts must align with policy terms—or else coverage gaps may appear.
How much does architect insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
What types of insurance do architects need?
Architects should consider the following core protections based on the scale and nature of their practice:
- Professional Liability Insurance (Errors & Omissions): Safeguards against claims of negligence, design errors, or construction delays.
- General Liability Insurance: Covers bodily injury or property damage that might occur during meetings or site visits.
- Commercial Property or Business Owner’s Policy (BOP): Protects your office, equipment, and may include business interruption in one bundled policy
- Commercial Auto Insurance: Essential if you or your staff drive for site visits or deliver documents.
- Workers’ Compensation: Required if you hire employees, covering job-related injuries.
These policies together form a safety net for professionals navigating both design risks and everyday operations.
Let's Protect Your Expertise!
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