What Kind of Insurance Do I Need for an Architectural Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Updated: 9 hours ago
Starting an architectural business is an exciting venture, but it comes with unique risks that require specialized insurance coverage. Whether you're designing residential homes, commercial buildings, or industrial facilities, having the right insurance protects your firm from financial loss and legal exposure.
At Wexford Insurance, we specialize in helping architecture firms find tailored insurance solutions that meet the demands of the design industry.
Why Insurance Matters for Architects
Architects face a variety of risks—from client disputes over design flaws to job site injuries and property damage. Without proper coverage, a single lawsuit or accident could jeopardize your business. That’s why working with an insurance agency like Wexford Insurance, which understands the architecture and design industry, is essential.
Essential Insurance Policies for Architectural Firms
Here are the core types of insurance every architectural business should consider:
This is the most critical coverage for architects. It protects your firm against claims of negligence, design errors, or failure to deliver services as promised. If a client sues over a flawed blueprint or a missed deadline, professional liability insurance helps cover legal fees and settlements.
This covers third-party bodily injury and property damage claims. If a client visits your office and slips, or if your team accidentally damages a client’s property, general liability insurance helps cover the costs.
If your firm owns vehicles used for site visits, transporting materials, or meeting clients, commercial auto insurance is a must. It covers accidents, vehicle damage, and liability claims involving business-owned vehicles.
If you have employees, most states require workers compensation insurance. It covers medical expenses and lost wages if an employee is injured on the job—whether in the office or on a construction site.
Architects often use expensive tools and technology, such as CAD software, plotters, and surveying equipment. Equipment insurance helps protect these assets from theft, damage, or breakdown.
If you own or lease office space, commercial property insurance protects your building and its contents from fire, theft, vandalism, and natural disasters.
Why Choose Wexford Insurance?
At Wexford Insurance, we understand the architecture industry inside and out. We work with top-rated insurance carriers to build custom insurance programs for architectural firms of all sizes. Whether you're just starting out or scaling your business, we’ll help you find the right coverage at the right price.
👉 Contact Wexford Insurance to get a quote and speak with a specialist who understands your industry.
