The Low-down on Architects’ Insurance - Contractors Insurance Australia

April 30, 2019

If the architect industry is your game, be sure to play it safe with architects’ insurance. Architects’ insurance comes in all shapes and sizes with different products, covers and policies to ensure each angle of your business is covered in case of an unfortunate event. Here we explore the main popular covers including architects’ professional indemnity insurance, tax audit cover, public liability, general property and personal accident and illness.

Professional Indemnity Insurance

If you’re an architect, in addition to providing designs, plans and creative solutions for your clients, your job is to provide professional advice and services. Should you give advice that is considered professionally negligent, no matter how careful, well-meaning or informed your intentions may be, you could be sued. Thankfully, architects’ Professional Indemnity Insurance covers the financial losses you may have to pay if you are deemed to have provided bad advice.

Tax Audit Cover

Although you may think you will never be hit up with a tax audit, think again! It can happen to the most unsuspecting of taxpayers, and if that’s you, you could be up for some hefty costs. Think it won’t be that bad? The time and effort put into you carrying out a tax audit can mean valuable time not spent on your normal work, with more than a few miffed clients at that. Luckily Tax Audit Cover is here to save the day, covering the expenses you would have to pay to hire someone to carry out the audit on your behalf. This of course leaves you with your precious time to focus on your day-to-day work.

General Property Insurance

General Property Insurance is an important cover to invest in, given it protects all the tools of your trade, and subsequently your livelihood. In the unfortunate event your equipment is lost, stolen or damaged, General Property Insurance for architects will have it replaced quick smart without you having to fork out thousands.

Public Liability Insurance

As an architect, Public Liability Insurance may not be at the top of your to-do list. It may seem unlikely that you could inflict any harm upon a client, right? However, any office or workspace can inhibit many themselves. A computer cord could be tripped over or a patch of spilled milk in the kitchen could be slipped in – whatever the hazard, be sure you’re covered to avoid medical or other costs from an injured and potentially disgruntled client!

Personal Accident and Illness

If you were to fall ill or have an accident, preventing you from working, you could struggle to keep your business going and bring in an income. Fortunately, Personal Accident and Illness cover can cover you by paying out a portion of your income if you can’t work due to illness or injury.

It’s important to consider all aspects of architects’ insurance to ensure you’re fully covered. For all the policies above, you can get a quote online or call our office on 1300 GETCOVER (1300 492 862) to speak to our Contractor Cover real-life team.

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