Architect Insurance2019-06-10T11:51:15-04:00

Architect Insurance

Architects in Toronto need Architect Insurance to protect themselves from potential risks that Architects face.
Some of these risks are universal, while some are specific to architects.

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What is Architect Insurance?

Architect Insurance is a policy that covers Architects in common claims scenarios. Due to the nature of their profession, Architects face several risks, such as injuries or property damage to clients or vendors, missed deadlines, busted budgets and errors in planning/designing.

What does Architect Insurance cover?

It covers general risks as well as specific risks:
Commercial General Liability – injuries and property damage to third parties
Professional Liability – errors or omissions in service
Legal Expenses – legal fees and settlements related to lawsuits

Who needs Architect Insurance?

It is highly recommended for architects of all types, and anyone who is involved in the planning or design of buildings
  • Residential Architects
  • Restoration Architects
  • Housing Architects
  • Commercial Architects
  • Landscape Architects

What is the cost of Architect Insurance?

One of the main concerns for architects when purchasing insurance is the cost of the policy, which varies according to a few factors, such as:

  • Years of trade experience
  • Yearly revenue
  • Number of employees

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Common scenarios where Architect Insurance is useful:

Commercial Insurance Canada Scenario

As the architect in charge of designing a residential building, you agree to a product substitution for exterior features. Unfortunately, the final product used is not suitable for the purposes it was applied to and the building owner files a claim.

Commercial Insurance for Contractors

Designs submitted by you for a rooftop garden installation are deemed faulty after construction begins and the developer sues you for negligence.

Commercial Insurance for Restaurants

You are required to submit designs for an office building within a determined timeframe but you end up missing the deadline, prompting the developer to file a lawsuit.

Frequently Asked Questions about
Architect Insurance

What coverages should architects have in their insurance policy?2019-06-10T15:04:48-04:00

The most basic policy recommended for any business is General Liability. It protects a business from claims of bodily injury or property damage to a third-party. For Architects, it is also recommended to add Errors and Omissions coverage to their insurance policy. Errors and Omissions Insurance, also known as Professional Liability Insurance, covers errors and omissions in your services to clients that lead to financial losses for them. If you own a lot of expensive property, also add Commercial Property Insurance to your policy to protect your contents and assets.

Is Architect Insurance mandatory for architects before signing contracts?2019-06-10T15:07:18-04:00

Architect Insurance is not required by law, but it is difficult to land any sizeable project without having an insurance policy in place. If there is an error in a project designed by you, it can become extremely costly if the error is discovered once construction is underway. For this reason, project managers and builders are usually very careful about only working with architects who already have Architect Insurance.

Can an architect be liable for projects completed in the past?2019-06-10T15:04:27-04:00

Yes. Design errors in a project can be discovered years after the project is completed, and if you are the architect who designed the project, approved the design, or agreed to the substitution of products that turned out to be faulty, you will be held liable for damages, even if you have retired or changed professions.

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