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If you undertake professional work, whether through a partnership or company or as a sole trader, as an employee or in a private capacity, you should ensure your work is covered by sufficient liability insurance.
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ARB Requirement & Guidelines
PI Insurance is a recommended requirement of the Architects Registration Board (ARB) under Standard 8 of the Architects Code.
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Claims Cover
PI Insurance is essentially designed to cover both claims against you and defence costs for mistakes you make whilst undertaking professional services.
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Limit of Indemnity
A minimum limit of indemnity provided by PI insurance should be £250,000 for each and every claim. It is important to maintain sufficient cover to enable to meet claims arising from professional practice.
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Legal Costs
Whilst a practice can easily arrange Insurance cover for office contents, motor or similar cover, a claim against you for negligence can result in a large settlement and could incur substantial legal costs which could exceed the annual fees you earn.
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Working Overseas
You should ensure that any work undertaken overseas is adequately covered as PI insurance abroad is subject to two different types of limits – geography and jurisdiction.
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Run-Off Cover
PI Insurance cover is provided on a claims-made basis, so for cover to be provided insurance must be held when a claim is made, rather than when an incident occurred. Therefore, it is important that you ensure that you have in place adequate ‘run-off’ cover.
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