Architectural Firm and Architect Insurance

If you need Architect insurance, you’ve come to the right place.

At TOMINS, we deliver mindful, custom-tailored insurance solutions for today’s Architectural firms.

Our easy access portal and 24-hour policy availability are designed to ensure you have the documents and information you need, as soon as you need them—enabling you to focus on what really matters–your architecture business.

As if that wasn’t enough reason to consider TOMINS for your Architecture insurance needs, our coverage comes with the added advantage of being powered by Higginbotham and backed by a team of seasoned insurance experts.

TOMINS—because you deserve an insurance partner that works as hard as you do.

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Do I Need Architect Insurance?

Architect insurance should be a non-negotiable for any architect that wants to succeed in the long term. Not only that, but most Architects will need to furnish a Certificate of Insurance in order to be considered for jobs.

Factoring in the huge liability associated with designing structures that house and hold people, most architects consider insurance a critical part of doing business.
At TOMINS, our deep understanding of the distinctive needs of an Architectural firm help us design an insurance package for you.

From Errors and Omissions (E&O) to the Commercial General Liability Coverage every business needs, TOMINS is the perfect insurance partner for an architectural business.
Custom-tailored to your business, TOMINS Architect insurance offerings include:

  • Commercial Property
  • Professional Liability (E&O)
  • Commercial General Liability
  • Workers Compensation Insurance
  • Employment Practices Liability (EPLI)
  • Important Record and Document Coverage
  • Commercial Excess/Umbrella Liability
  • Employee Benefits Liability Coverage
  • Business Income Insurance

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A bearded architect in a blue and white plaid shirt standing at a drafting table checking his Insurance policy on his phone

Which Architect Insurance Coverages do I Need?

Whether you are a sole proprietor or a large Architectural firm, it’s wise to carry a Commerical Insurance Package (PKG) and Professional Liability.

Like a homeowner’s insurance, a Commercial Package is designed to ensure a business owner’s operations, property, and other business assets against unforeseen loss.

An Architect Package Policy typically consists of three fundamental coverages:

  1. Architect Commercial Property Insurance: Commercial Property Insurance for Architects covers an architectural firm’s property, office, and physical assets in the face of a loss.
  2. General Liability Insurance for Architects: General Liability insurance is a coverage that’s important for any type of small business, including architectural firms. Abbreviated as GL, general liability coverage is designed to protect an Architect or firm against damages from lawsuits filed due to injuries or property damage sustained as a result of your business operation for covered causes of loss.
  3. Electrician Business Income Insurance: This insurance is designed to protect an electrician against an unexpected loss of income. For example, in the unfortunate case of a flood at your shop, your business income insurance would help cover lost wages while you rebuild or recover.

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E&O Insurance for Architects

Architect insurance for a conventional firm should include the abovementioned coverages (Commercial Property with Business Income and General Liability) at minimum.
Due to the scope of business for an Architect, the likelihood of claims arising from Errors and Omissions is heightened. Otherwise known as Professional Liability insurance (LINK (E & O is designed to protect architects from claims resulting from mistakes and negligence during consulting, planning, designing, and more.
Considering the substantial risks and exposure involved with designing buildings for human occupancy, Architects should always carry E&O insurance to limit their legal liability exposure.
Depending on your architecture firm’s circumstances, it may be wise to carry other coverages as well. Some good options for further consideration include:

  • Employment Practices Liability (EPLI): Can protect an architect against damages incidental to improper termination or hiring, sexual harassment and workplace discrimination.
  • Workers’ Compensation Coverage: Can protect an architect against legal liability for workplace injuries. Helps with cost of wage replacement, medical bills, and other expenses related to an injured employee.
  • Cyber Liability Coverage: Designed to safeguard an architectural firm against the threat of a cyber-attack. Considers coverages for costs of data loss and subsequent restoration, legal settlements, and attempts at extortion.
  • Commercial Umbrella: Extra coverage to protect an architect’s business in excess of the general aggregate limits of their standard insurance coverage. Often required in order to meet insurance requirements set forth by General Contractors

Why You Need a Tailored Architect Insurance Policy

The risky nature of an Architect’s work makes a strong argument for carrying Architect insurance.

Due to the high probability that people could be hurt or killed as a result of an architectural firm’s mistake, professional liability insurance is particularly critical for Architects.

 Tomins Architect Insurance offers fully customizable coverage for any individual situation. Our specialized Architect Insurance policies can also include:

  • Limited Care, Custody, or Control Property Coverage
  • Important Record and Document Coverage
  • Employee Benefits Liability Coverage

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What Does Electricians Insurance Cost?

Insurance is an essential part of doing business as an Architect.

Perhaps one of the most important insurance coverages for Architects outside of General Liability, professional liability (E & O) insurance usually starts around $750 (end cost depends on each business’s exposure).

Whether you’re designing homes, offices, skyscrapers, or anything in-between, TOMINS has you covered—get your free TOMINS Architect insurance quote today.

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Getting an Architect Insurance Quote

At TOMINS, we’re in the business of making insurance for Architects simple.

If you need insurance for your Architecture business, head to our free online quote page here.

To make sure TOMINS can provide the most accurate and competitive quote possible, try to have the following information available before you start:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

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