Designers Insurance Provider
& Designers
- Comprehensive industry specific policy wording
- Multiple levels of cover to select from
- Instant paperwork online
Insurance for Architects & Designers
... let the worry of a building blunder keep you awake at night. Why not compare quotes for Architects and Designer insurance today from the friendly team at BizCover? Taking out a policy is as easy as the click of a button ...
read moreA Designer's Guide To Understanding Cyber Liability Insurance
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... having the right tools in place to help you complete the task at hand. How much does Portable Equipment insurance cost designers? How long is a piece of sewing thread? There's no one size fits all pricing when it comes ...
read moreA Graphic Designers Guide To Professional Indemnity Insurance
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read moreHow the cost of Professional Indemnity insurance is calculated
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read moreInsurance for Designers
... is required so you have adequate cover in place before starting the job. Insurance for Designers These are some of the types of insurance coverages you may need to consider when looking at protecting your design business ...
read moreProfessional Indemnity Insurance- a Guide for Real Estate Agents
... s coverage, check your Product Disclosure Statement (PDS) or ask your insurance provider for more information. Professional Indemnity insurance policies usually cover the following events: • Legal expenses, such as costs ...
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read morePublic Liability Insurance
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read moreInsurance by Industry
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read moreIt's Time for an Insurance Health Check!
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read moreCyber Liability Insurance
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read moreSmall Business Insurance: Why you might want to ensure you're covered!
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read moreThe difference between public liability and professional indemnity insurance
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read moreWhat do you need to know about Professional indemnity insurance?
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read moreThings you didn't know about small business insurance
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read moreHow Cyber Insurance Protects Small Businesses
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read moreWhat does Public Liability Insurance Cover?
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read moreWhat does Professional Indemnity Insurance Cover?
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read moreBusiness Insurance
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read moreDo I need Public Liability Insurance?
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read moreReviews related to Designers Insurance Provider
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Good service - a little pushy with the reminders
Michael Alan Baylis
Architecture & Surveying -
Very easy process, prompt and competitive quote, would recommend to associates
Wayne Smith
Architecture & Surveying -
Fast and reliable! Good customer service!
Joem Baldesco
Architecture & Surveying -
Highly recommended way of doing business insurance with out hassles and cost effective
Peter Digby
Manufacturing -
IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE
Janette Wallbutton
Real Estate -
Easy to deal with; did as they said. ie when I asked them to call back they did.
Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A
Alisa Drewett
Medical -
I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.
Tina Buckler
Allied Health -
Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu
Layla Dowthwaite
Consultancy Occupations -
I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!
Alison McDonald
Consultancy Occupations -
Nice and fast, but not immediately obvious where to download insurance certificate.
Charles Brooks
Consultancy Occupations -
Extremely easy, user-friendly online purchase process, really good.
But like all insurance the value isn?t known until you need to make a claim.
I hope if that?s ever needed, that process and customer service is equally as good.
Angela Clarke
Information Technology -
They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn
Monique Princen
Information Technology -
The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover
Quentin Duff
Trades & Services
How much does architect’s insurance cost?
No two buildings are alike, and no two architects are alike either. Insurers use a range of different factors to determine how much you will pay for your insurance policies as an architect, meaning pricing varies based on the specific blueprint of your small business.
Some of the factors used to calculate premiums for Professional Indemnity and other forms of insurance for architects that you may consider include (but are not limited to):
- The size of contracts your business takes on
- Your risk management procedures
- Your history of previous insurance claims
- The amount of cover you want or need
Comparing quotes from multiple insurers can help you understand the Architect Insurance policies available to you and how much you can expect to pay for cover.
Did you Know?
That registered architects need to comply with strict criteria covering areas like insurance, health and safety and quality management systems.
Architects and Designers are also the first professions in New Zealand to require professional indemnity insurance to cover themselves in person for errors and negligence.
Insurance for Architects and Designers
Professional Indemnity
Professional Indemnity (PI) insurance provides essential financial protection for Architects and Designers to safeguard their businesses for claims made against them in carrying out their professional services or advice. It provides cover for damages and claimant costs awarded against you, costs incurred such as legal and defence costs, claims investigation costs, inquiry attendance costs as well as public relations costs.
Professional Indemnity insurance may not be mandatory for Architects and Designers. However it may be a requirement to meet the conditions of many clients as well as tender processes.
BizCover’s professional indemnity insurance offer covers occupations such as:
- Architect
- Interior designer
What is typically covered?
A small mistake in an architect’s work can have huge and expensive consequences. Professional Indemnity insurance helps shield architects and designers against a wide range of potential risks that could cripple your small business. These include:
- Errors, mistakes and omissions in your work or professional advice
- Missed deadlines and undelivered services
- Professional negligence
- Breaches of contract
What is not covered?
While Professional Indemnity insurance can help shield you against many claims resulting from your work, it does not provide protection for:
- Intentional damage
- Any circumstances or claims that are known before your insurance period begins
- Acts of dishonesty and fraud
- Accidental injury and property damage
Public Liability
Do you need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising from a claim of 3rd party property damage or accidental injury (not covered by the ACC) as a result of you going about your business, even if you rent your premise.
What is typically covered?
Architects and designers may face many Public Liability claims in their day-to-day work. Public Liability insurance commonly covers:
- Damage to a third-party’s property
- Financial loss resulting from damage to a third-party’s property
- Injury, illness or death (that is not covered by the ACC) that is caused by your negligence
What is not covered?
While Public Liability insurance can protect you against many common claims, it does not provide cover for:
- Employee injuries
- Damage to your own property
- Compensation when a personal injury is covered by the ACC
Protect your business today.
Business Insurance
Your clients are your bricks and mortar, but where would your business be without the assets needed to help make their plans a reality? Not having the right cover in place could cost your company more than a pretty penny, creating a whole host of unwanted challenges.
Having some form of cover in place to protect your contents (including IT equipment), and premises from the risk of damage caused by fire, storms, theft, vandalism or even earthquakes, gives you peace of mind so you can sleep at night.
You can even add Business Interruption insurance which is designed to help your business get back into the game by covering the increased costs of running your business and lost revenue whilst it is out of action due to an insurable event.
Cyber Liability
As an architect or designer, your plans, designs are prized intellectual property it is what makes you stand out from the crowd. Unpleasant as it may be, but what would you do if a competitor found a way to steal your original designs?
Storing personal information and client information online means you are instantly at risk of potential cyber attacks and data breaches.
Reinforce your cybersphere with Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data recovery costs, business interruption costs and PR/crisis management costs.
What is typically covered?
Cyber Liability can help your small business bounce back after a cyberattack, hack, or data breach. Policies typically cover:
- Costs associated with investigating an attack and data recovery
- Business interruptions costs
- Fines and penalties
- Extortion costs
- Costs associated with PR and crisis management
Could this happen to your business?
An architect designed a house for an elderly couple and miscalculated the size of a cavity for a hidden sliding door. The builder of the house raised the issue early on but to no avail. The architect initially blamed it on poor print quality of the site plans and told the builder to carry on.
Near completion, it was clear that the particular doorway in the house that required access by a mobility scooter was not wide enough whilst the sliding door was “hidden”. The owners asked the architect to pay for all remedial costs that included moving walls and re-modelling an adjacent room. Fortunately, the cost of the professional error was paid for by insurers without having to appoint a legal defence counsel.
FAQ
Why do architects and designers need insurance?
Insurance can help shield architects and designers against a variety of risks, from claims of negligence or damaging a client’s property to equipment breakdowns and cyber-attacks.
Architects and designers face many unique risks that insurance can help protect them against. They regularly give clients advice based on their expert knowledge and training, and often visit clients in their business premises or homes. They may also have their own offices to consider, including any equipment, tools, and client information that may be stored there. There are different insurances to protect against each of these risks. It may be wise as an Architect to explore insurances such as Professional Indemnity, Public Liability and Cyber Liability insurance.
In the event of a claim, without insurance, you could be left holding the bill for costly claims or lawsuits. The out-of-pocket expenses associated with legal action could be financially devastating for small business owners. Insurance could help architects and designers stay in business even if the unexpected comes their way.
How do I buy Insurance for my Architectural business?
Architects and designers are busy people with a lot on their schedule each day. That’s why BizCover has made it quick and simple for them to find, compare, and buy insurance to protect their small businesses.
In just minutes, you can compare multiple quotes from selected leading NZ insurers. There is no complex paperwork to fill in, and you can buy a policy whenever it fits your schedule, day or night. You’ll even receive your policy documents instantly, so you can get right back to work!
* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
Need Help?
Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals.
You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents.