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Because we’re committed to crafting the best coverage options for you.
At Higginbotham, we start with listening and end with custom insurance solutions. With our relationships with insurance carriers who cater to architects and design professionals, we get you covered on day one. But we don’t stop there.
Our team delivers year-round value with our risk management, insurance and claims advocacy services. We get to know you, your business and your priorities, allowing us to provide personalized service that lets you focus on growing your business.
That’s the Higginbotham difference. More individual, less institutional. More time for your business, less time worrying about coverage.
Hear from practice leader Brandon Guyton on the importance of partnering with an insurance broker that specializes in the architecture industry.
Avoid leaving your business at risk. Discuss your architecture insurance needs with a Higginbotham team member who can help design a customized plan that meets your unique needs and priorities.
Our specialty insurance practice covers a range of architect professions, allowing for comprehensive coverage for design professionals in diverse roles, including:
Professional liability insurance for architects, also known as professional indemnity insurance or errors and omissions (E&O) insurance, provides protection against claims arising from professional services, making it a critical part of architect insurance. This coverage helps protect architectural firms from potential legal fees and lost project opportunities that may arise due to claims of professional negligence, oversight, errors or omissions. Essentially, it acts as a safety net for your business, allowing you to focus on delivering exceptional designs and services to clients without the constant worry of potential claims.
The cost of architect professional liability insurance is determined by the individual needs of your business. By working with Higginbotham as your insurance broker, you can secure the right coverage to help safeguard your business and uphold your reputation within the industry.
In addition to professional liability insurance for architects, you may require other forms of commercial insurance to address the different risks and liabilities faced in their industry. These coverages may include:
General liability insurance is an essential component of architect insurance, offering coverage for claims of bodily injury, property damage, personal injury and advertising injury. For design professionals, general liability insurance coverage serves as protection from the financial repercussions of accidents or incidents that may occur during the course of their services.
For instance, if a client or visitor is injured while visiting an architect’s office, general liability insurance can help cover the associated medical bills and potential legal fees. With this coverage in place, architects can concentrate on their work, free from the persistent concern of possible claims.
Workers’ compensation insurance provides financial assistance to employees who suffer from work-related injuries or illnesses. For architects, workers’ compensation can offer several benefits, including assistance with taking care of employees injured in a workplace accident, protection from potential lawsuits and financial losses and the creation of a safer and more secure work environment for employees.
Commercial property insurance is a critical coverage for architects, protecting office space, design tools, equipment and other property from damage or loss. This type of architect insurance typically covers physical damage to buildings and equipment, and it may also include loss of income resulting from business interruption.
In today’s digital age, cyber liability insurance is becoming increasingly important in all industries. And, with architects often managing sensitive client information and project data, having protection against potential cyberattacks is crucial. Cyber insurance for architects assists businesses in responding to and recovering from data breaches and other cyber threats, allowing your architecture firm to more effectively protect its digital assets and uphold client trust.
Whether you’re visiting project sites, meeting with clients or transporting materials and equipment, you likely rely on vehicles for various aspects of your work. That’s why commercial auto insurance is an essential coverage for architect insurance programs. This form of coverage can offset legal bills, medical expenses and property damage in the event of an accident involving a business vehicle.
Commercial umbrella insurance, a form of liability insurance, provides an additional layer of protection beyond the limits of primary liability insurance policies, offering extra coverage in the event of large-scale claims or lawsuits.
At Higginbotham, we are more than architecture insurance professionals.
Beyond securing appropriate insurance coverage, architects can benefit from our risk management services that aid in the identification and mitigation of potential profession-related risks. Higginbotham provides design professionals with the expertise and technology needed to anticipate and manage potential liabilities.
Protect your business and your reputation through Higginbotham’s customized risk management solutions.
The cost of architect insurance varies depending on factors like the size of the firm, services offered, location, claims history and coverage limits. An insurance broker can help assess your risk and obtain competitive quotes from a variety of insurance carriers.
Architects commonly carry professional liability, general liability, property and workers’ compensation insurance. Depending on their operations, they may also need cyber liability, commercial auto or other coverage types. The right combination of policies helps address a broad range of potential exposures specific to architectural work.
Yes, architects typically need professional liability insurance, which is also known as errors and omissions (E&O) or professional indemnity insurance. This type of coverage protects against claims arising from errors, omissions or mistakes made over the course of providing professional services. It’s particularly important for defending against claims that a design or recommendation caused harm. General liability insurance, while important, does not cover these professional exposures.
When selecting professional liability insurance, architects should consider the scope of coverage, policy exclusions, the claims handling process and experience in the design industry. It’s also important to evaluate the limits of liability in relation to project size and contractual requirements.
To get architect insurance, you’ll typically start by consulting with an insurance professional who understands the unique risks of the architectural field. They can help assess your business operations and provide options from insurers experienced in covering design professionals. A customized policy can then be developed based on your needs.
Don’t leave your architectural business vulnerable to potential risks and liabilities.
With a tailored insurance and risk management plan, you can concentrate on your core competency – designing exceptional spaces for your clients – while feeling secure in the knowledge that your business is well-protected.