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Modern architecture representing architect professional indemnity insurance

Architect Professional Indemnity Insurance

Registration compliant PI cover for architects. Protection for design liability, documentation errors, and contract administration.

State

Registration Compliant

$20M+

Limits Available

Same Day

Quotes

Recognition

Industry Awards

Your designs shape the built environment. Professional Indemnity insurance protects your practice when those designs are called into question.

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Registration Requirement

All Australian architect registration boards require PI insurance as a condition of registration. We check your policy against your state's specific requirements.

Long-Tail Liability

Building defects can emerge years after completion. Architects face long-tail liability exposure that extends well beyond project completion. Continuous, adequate cover is essential.

WHY TANK INSURANCE

Why architects regularly choose us for PI insurance

We regularly work with architectural practices across Australia. From solo practitioners and boutique studios to larger firms managing complex projects. Our brokers understand architectural risks and structure registration-compliant, competitive cover.

Architectural drawings and design work

01

Registration Compliance

We check your policy against your state registration board's specific requirements to help avoid compliance issues.

02

High Limits Available

Major projects require substantial cover. We access markets that provide $10M, $20M, or higher limits.

03

Run-Off Protection

Retiring or restructuring? We arrange run-off cover to protect you for past projects.

04

Claims Experience

Building defect claims can be complex and drawn out. We work with insurers experienced in architect PI to structure appropriate cover.

RISK ASSESSMENT

Key Professional Risks for Architects

These are the exposures that make proper PI coverage essential for architectural practices.

Structural design errors affecting building safety
Non-compliance with National Construction Code
Specification errors causing construction defects
Design failures leading to water ingress
Budget estimation errors causing project overruns
Contract administration mistakes
Certification and approval documentation errors
Coordination failures with engineering consultants

Architectural errors become embedded in buildings. Comprehensive PI insurance is non-negotiable for every practice.

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POLICY SCOPE

What Architect PI Insurance Covers

A comprehensive Professional Indemnity policy for architects typically includes these protections.

Modern building representing architect professional indemnity coverage
Modern building representing architect professional indemnity coverage

Usually Covered

✓ Design errors and omissions
✓ Legal defence costs for covered claims
✓ Documentation and specification failures
✓ NCC and code compliance errors
✓ Contract administration mistakes
✓ Consultant coordination failures

Not Typically Covered

✕ Deliberate code violations
✕ Construction contractor defects
✕ Guaranteed project costs
✕ Known defects prior to policy inception
✕ Bodily injury on site (Public Liability required)
✕ Your own property or equipment

Every architectural practice is different. We regularly work with design studios and architectural firms across Australia, from residential and small commercial practices to large firms working on major projects. We review your specific project types, typical project values, state registration requirements, and practice structure to make sure your cover is appropriate.

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CLIENT OUTCOMES

Architect PI insurance - real placements

Recent placements from our architectural practice book. Different risk profiles, different challenges, same outcome - cover placed at a competitive price.

QUESTIONS

Frequently Asked Questions

Yes. Architect registration boards in all Australian states require registered architects to hold adequate PI insurance. This is a condition of maintaining your registration. Minimum requirements vary by state, but typically start at $1-2 million.
State registration boards set minimums, but the right level depends on your project sizes and types. Residential architects may need $2-5 million, while those working on commercial or infrastructure projects often require $10-20 million or more.
Architectural errors become embedded in buildings. Defects may not emerge for years and can be extremely expensive to rectify. Often these require significant demolition and reconstruction. Water ingress, structural issues, and NCC non-compliance are common claim triggers.
Building defects can emerge years or decades after construction. When retiring or closing your practice, you need run-off cover to protect against future claims from past projects. Talk to us about arranging extended run-off periods.
Yes, contract administration is typically covered. This includes site inspections, progress certification, and contractor coordination. Errors in these areas can result in claims, so they're an important part of your business insurance setup.

Professional Indemnity for Architects

From boutique design studios to large architectural firms, we structure PI cover that meets your state registration requirements and protects your practice with appropriate limits.

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