Protect your career with professional liability solutions for architects.
We provide architects with customized insurance solutions that navigate the complex risk landscape, supporting you on every project from start to finish.
What is Architect Insurance?
Architect insurance is a specialized form of coverage designed to protect architects from the unique risks and challenges their profession entails. As an architect, your projects not only embody creativity and innovation but also carry the weight of responsibility towards your clients and the public. In such a high-stakes field, even the most meticulously planned projects can encounter unforeseen issues, from delays and budget overruns to disputes over design accuracy or safety concerns. These risks underscore the crucial need for a reliable safety net.
By partnering with XINSURANCE, you’re not just investing in a policy; you’re building a partnership with a trusted ally who stands by your side when things go wrong. With us, you gain the freedom to focus on what you do best, knowing that we’re here to support you with robust and responsive protection for every draft and design. Choose peace of mind. Choose XINSURANCE.
Who We Can Help
- Independent Architects
- Architectural Firms
- Design-Build Contractors
- Freelance Architects
- Architectural Consultants
- And More!
Architect Insurance Coverage Options
Professional Liability
Also known as errors and omissions (E&O) insurance, this coverage can protect architects from claims of negligence, mistakes, or oversights in their professional services. Learn more.
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Pollution Clean-Up
Covers the costs associated with pollution clean-up caused by your business.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Products Liability
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Architect Insurance
Is architect insurance required by law?
The requirement for architect insurance varies by jurisdiction and is not universally mandated by law. However, Professional Liability Insurance, also known as errors and omissions insurance, may be required by state regulations for architects to obtain and maintain their professional licenses. Additionally, clients often require architects to carry specific insurance coverages as part of contractual agreements. While not always legally required, having appropriate insurance is crucial for the protection and credibility of an architectural practice.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
Why should I have architect insurance?
Architects need professional liability insurance, often referred to as errors and omissions (E&O) insurance, to protect against claims of negligence, mistakes, or oversights in their work that could result in financial loss or harm to a client.
With XINSURANCE, you’d have an insurance partner who stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or the end of your career.
How much does architect insurance cost?
The cost of architect insurance depends on a variety of factors, including the size of the firm, revenue, the scope of services offered, claims history, the amount/limits of coverage selected, and more. Contact us and tell us more about you and your insurance needs so we can provide a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
TRU Homeowners
There’s a wide range of reasons why your homeowners policy may not be able to offer you sufficient coverage. Fortunately, XINSURANCE can offer TRU Homeowners solutions to cover wind, floods, earthquakes, mudslides, wildfires, and more.
Professional Liability
We provide professional liability insurance solutions for all types of professionals. Our solutions can cover negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, and more.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
