Architects

In the UK, architecture is regulated by the Architects Registration Board (ARB). Under Section 20 of the Architects Act 1997 the title ‘architect’ is protected and can only be used by a person who has had the education, training and experience needed to become an architect, and who is registered with the ARB. An architect must be a member of the Royal Institute of British Architects (RIBA) to become chartered.

Professional Indemnity insurance became compulsory for all Architects in 1997 under the ARB Architects Code. The ARB recommended minimum limit of liability for a PI policy is £250,000 each & every claim; the ARB also recommends that, upon cessation of business, architects ensure they have a minimum of six years’ run-off cover.

Below are examples of typical things that could go wrong for an Architect, all of which would normally be covered by a MUM policy:

• The insured signed a certificate of practical completion on a residential new-build project. Many snagging issues arose which went unresolved by the appointed contractors, who blamed design faults. Amount paid: £450,000

• A claim was made alleging faulty design of a building causing water infiltration and foundation issues. Amount paid: £2,500,000

• Problems in the construction of a new house caused delays and extras, leading to a claim against the insured, who had involvement in planning, design and site inspection. Amount paid  £65,000

• The insured’s client had financial problems and became the “client from hell”, changing specifications, sacking contractors and taking fanciful claims all the way to court against anyone involved. Successfully defended but hundreds of thousands of pounds of legal costs incurred that could not be recovered.

• Warehouse floor disintegrated after only a few months of use. A claim was made against the architect alleging deficiencies in the design. Amount paid: £110,000

Proposal form

Policy Summary - MUM Arch Eng 03 10 AOC

Policy Wording - MUM Arch Eng 03 10 AOC

Policy Wording - MUM Arch Eng 03 10 AGG