Insurance for Architects
AREAS OF LIABILITY FOR ARCHITECTS
The nature of architectural work (high-value, high-visibility, and highly collaborative) means that even the most careful professionals can find themselves facing significant legal and financial threats. Architects face a wide range of professional risks that go far beyond design flaws, so whether you’re working solo or managing a full-service architecture firm, your services and responsibilities inherently expose you to liability from many sources:
Design Flaws or Omissions
Miscalculations or errors in construction documents can delay projects and trigger costly lawsuits.
Contractual Obligations
Failing to meet client expectations or project specs can lead to breach-of-contract claims.
Project Delays
Even minor delays caused by design revisions or miscommunication can turn into major financial losses.
Site Visits & Field Coordination
Injuries or property damage during site inspections can create legal exposure.
Regulatory Compliance
Mistakes related to building codes, zoning, or permits can lead to fines or litigation.
Third-Party Claims
You could be named in a lawsuit even if the issue was caused by another firm or contractor on the project.
The Challenge of Finding the Right
Insurance for ArchitectURE FIRMS
Many insurance providers lump architects into generic commercial categories, treating your firm like any other small business. But the truth is, the risks architects face are anything but typical. Generic policies often:
- Overlook key professional exposures
- Offer irrelevant coverage that inflates premiums
- Exclude protection for claims tied to design work
And when a claim occurs, these providers often lack the industry-specific understanding needed to navigate architecture-related liability.
That’s why we built Strux Insurance: to offer cost-effective, industry-specific protection designed to get our customers the right coverage, so they can keep doing what they do best.
How Strux Is Different
Strux Insurance was founded by engineering and construction professionals who understand the industry and the risks. We’re not just brokers. We’re industry professionals who have practical experience in the construction industry and need the same kind of insurance solutions that you do. Here’s what sets us apart:
Niche Expertise
We work exclusively with firms in the architecture, engineering, and construction space.
Specialized Carriers
We’ve built relationships with top-tier insurance providers who specialize in coverage for design professionals.
Exclusive Pricing
Our partner carriers give us access to preferred rates and specialized policy options you won’t find elsewhere.
Licensed Nationwide
We’re licensed in over 45 states, so no matter where your firm operates, we can help.
How to Determine Which Insurance Plan
Is Right for Your Business
Choosing the right insurance plan starts with understanding the fundamentals of coverage:
what it protects, how much protection you need, and what it will cost.
1. What Does It Cover?
Start by identifying your firm’s specific exposures:
- Does your work involve high-risk structures or specialty designs?
- Do you handle permitting, code compliance, or client-facing documentation?
- Do you have employees or subcontractors who visit active job sites?
The right plan should protect you against both physical risks (covered by general liability) and professional risks (covered by E&O insurance).
2. How Much Coverage Do You Need?
Coverage limits depend on the size and complexity of your projects:
- Small firms may need $500k–$1M in coverage
- Mid-size firms often need $1M–$3M
- High-value projects may justify limits of $5M or more
Look for policies that scale with your growth and allow for flexible endorsements.
3. What Will It Cost?
Insurance premiums are based on multiple factors:
- Revenue and project volume
- Claims history
- Project types (residential vs. commercial)
- Geographic location
- Desired limits and deductibles
At Strux, we analyze these variables and match your firm with carriers that understand your risk profile, so that you get the best coverage for the lowest cost.
4. How Easy Is It to Update or File a Claim?
Consider how responsive your provider is and whether they understand the work you do, so that when you need them, they will be able to act quickly and get you the support you need.
Get the Right Coverage for Your Practice
Architects face enough pressure in their everyday work. You shouldn’t have to worry about whether your insurance will hold up if something goes wrong.
Strux Insurance helps architects across the U.S. get the coverage they need to keep doing what they do best.
Answer Some Questions About Your Business and Projects
Get An Instant Quote Tailored To Your Business
Choose The Best Plan and Sign Up Online
Prefer a call?
If you’d like a custom quote from one of our agents, reach out to us at
945-293-3922.
Prefer a call? If you’d like a custom quote from one of our agents, reach out to us at 945-293-3922.
The Strux Insurance Team
Our company was founded by engineering and construction veterans, who understand the challenges of getting the right coverage and built solutions to serve the engineering, architecture and construction communities. We’re more than an insurance provider—we’re industry veterans who understand the real risks behind every drawing and project. We created StruX to fill the gap between generic insurance offerings and the specialized needs of architects, engineers, builders, and general contractors. Our mission is to deliver tailored, cost-effective coverage that protects your projects, your business, and your peace of mind—so you can focus on building what’s next.
Tyler Cook
Managing Director
Rachel Hammond
Director of Client Success
Janae Spinney
COO, StruCalc
Get A Custom Quote Today
Don’t pay more for generic insurance coverage that doesn’t fit your business.