Skip to Main Content Back to Top Let's Talk

Architect Insurance

Blueprint your protection. Construct your success.

Museum Of Paleontology And Prehistory.
Higginbotham H ogo

Spotlight on: Insurance for Architects

As an architect, designing breathtaking structures and creating innovative spaces is just one aspect of a successful career.

Equally as important is securing protection against the potential risks and liabilities that may arise in your profession.

Architects face a variety of risks, ranging from a design flaw resulting in an injury to a lawsuit due to scope creep. Having comprehensive commercial insurance coverage can offset legal fees, medical costs or other losses associated with these and other risks that come with the design industry.

With Higginbotham as your insurance broker, you can get back to what really matters: designing cutting-edge buildings and spaces.

Why Higginbotham?

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.

Higginbotham is your partner for architect insurance.

Hear from practice leader Brandon Guyton on the importance of partnering with an insurance broker that specializes in the architecture industry.

Ready to design insurance coverage that meets your needs?

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.

Request a QuoteLet’s Talk

Happy Business People Working In Office

Who needs architect insurance?

Our specialty insurance practice covers a range of architect professions, allowing for comprehensive coverage for design professionals in diverse roles, including:

Architects and Architectural Firms

Interior Designers

Landscape Architects

Urban Planners

Independent Contractors or Subcontractors

Building Designers and Building Design Firms

Computer Aided Design (CAD) Designer

Structural Designers and Engineers

Industrial Designers

Lighting Architects

Architectural Drafters

Other Design Professionals

Professional Liability Insurance for Architects

Professional liability insurance, 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.

Other Architect Insurance Coverages

In addition to professional liability insurance, architects 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

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 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

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

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 insurance typically covers physical damage to buildings and equipment, and it may also include loss of income resulting from business interruption.

Cyber Liability Insurance

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 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.

Commercial Auto Insurance

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.

Umbrella/Excess Liability Insurance

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.

Risk Management for Architects

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.

Meet Our Architect Insurance Practice Leaders

Patrick LoCoco holds a Bachelor of Business Administration from the University of Texas at Austin and has been with Higginbotham since 2011.

He specializes in commercial coverage for oil and gas, transportation, engineering, property management, architecture and service contractor companies. His other areas of specialization include professional liability coverage, risk management, surety bonds, certificate of liability management, executive liability protection and contract review.

As a property and casualty insurance broker, Patrick aims to not only create unique insurance programs that prioritize each of his client’s specific needs and objectives, but to also provide value-added services available only at Higginbotham.

Executive Vice President
Patrick LoCoco
Executive Vice President, LinkedIn

Brandon Guyton is a proud Samford University bulldog, earning a Bachelor of Business Administration in 2006. Following his college graduation, he began his career in commercial real estate before transitioning to risk management and financial services. He holds a graduate degree in Community Banking Management and Leadership from the Barret School of Banking in Memphis.

After more than a decade in banking, financial services and risk management, he joined Higginbotham as a commercial risk advisor. Now, Brandon uses his wealth of experience as practice leader of Higginbotham’s Architect and Engineer Insurance Specialty Practice.

Account Executive
Brandon Guyton
Account Executive, LinkedIn

Patrick O’Daniel has over 30 years of experience in commercial property and casualty insurance and risk management. In that time, he’s worked with clients from an array of industries, including manufacturing, brewing, architecture, engineering, construction and public entities.

Patrick combines industry experience and specialized knowledge with an emphasis on superior customer service and strong client relationships. His areas of specialty include liability coverage, large property placements, unique workers’ compensation solutions, risk management strategies, contract review, loss control solutions and alternative loss funding, including captives, large deductibles and self-insurance.

Patrick earned a bachelor’s degree in economics from the University of Louisville and holds a Certified Insurance Counselor (CIC) designation.

Managing Director
Patrick O’Daniel
Managing Director, LinkedIn
Businessman Seated In Office With View Of City
Higginbotham H logo

Work with an architect insurance specialist who knows your industry.

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.

Talk to an Architecture Insurance Specialist

Request a Quote