Architect Insurance
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How much does architect insurance cost?

The cost of architect business insurance depends on several factors, such as the types of policies you choose, your location, and your business risks. Save money on small business insurance by comparing quotes from different providers with Insureon.

Average architect insurance costs for top policies

Here are the top insurance policies purchased by architects and their average monthly costs:

Our figures are sourced from the median cost of policies for architects who apply for quotes with Insureon. The median offers a better estimate of what your business is likely to pay because it excludes outlier high and low premiums.

Architect insurance costs are determined by a number of factors, including the types of services you offer, the value of your business equipment and property, your location, annual revenue, number of employees, and years of experience.

Professional liability insurance icon

Professional liability (E&O) insurance

Professional liability insurance for architects costs an average of $141 per month, or $1,695 annually.

This policy, also called errors and omissions insurance (E&O insurance) or professional indemnity insurance, covers the cost of client lawsuits over claims that your work was unsatisfactory, negligent, late, or never completed.

For instance, suppose you make a design error in a blueprint or a project delay costs a client money. A professional liability insurance policy would cover your legal defense costs, settlement, and other financial losses.

Below is the average professional liability policy for architects who buy from Insureon:

Premium: $141 per month
Policy limits: $1 million per occurrence; $1 million aggregate
Deductible: $1,000

Several factors influence the cost of professional liability insurance, including the type of business you have, your claims history, and the policy limits you choose.

As with other types of insurance, you can save money on professional liability coverage by choosing lower limits or a higher deductible.

Reducing your risks also helps you avoid claims and keep your premium low. This includes clear communication with clients and thorough documentation of all communications and agreements.

General liability insurance icon

General liability insurance

Architects pay an average of $33 per month, or $400 annually, for general liability insurance. This policy is sometimes called public liability insurance.

General liability insurance covers common third-party risks at architecture businesses, such as a client who slips on a wet floor at your office and suffers a bodily injury, or accidental damage to a client's property.

For example, if you drop and break a client's smartphone while they're showing you a blueprint they would like you to replicate, general liability insurance coverage would pay for the repair costs or legal fees if the client sues over property damage.

It also helps pay for attorney's fees and other legal expenses if someone sues your business over copyright infringement or other advertising or personal injuries, including defamation.

Below is the average general liability policy for architects who buy from Insureon:

Insurance premium: $33 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

The per-occurrence limit is the maximum your insurer will pay for a single covered incident, while the aggregate limit is the most the insurer will pay for all claims during the policy period, typically one year.

General liability insurance costs depend on factors such as the coverage limits and deductible you choose, the types of professional services you offer, your business income, and any additional insured endorsements you select.

Learn more about how your insurance premium is calculated and how to save money on your general liability coverage.

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Business owner’s policy icon

Business owner’s policy

Architecture businesses pay an average of $57 per month, or $679 per year, for a business owner’s policy.

A business owner's policy, or BOP, bundles general liability coverage with commercial property insurance to cover both third-party risks and your business property. It typically costs less than purchasing each policy separately.

A BOP protects against customer injuries, property damage, and vandalism, along with damage to your architectural equipment. Because of its increased coverage and affordability, it’s the policy most often recommended by Insureon’s agents.

This is the average BOP for architects who buy from Insureon:

Insurance premium: $57 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

Small, low-risk architecture companies are often eligible for a business owner's policy.

Architectural business owners may see higher costs if they choose to add endorsements to their policy. Insurance endorsements, such as business interruption insurance or equipment breakdown coverage, are often recommended to help avoid financial losses if a fire or power outage forces your business operations to cease for an extended period of time.

The cost of a business owner's policy is based on many factors, including the value of your business property, where you are located, the types of projects you take on, the number of employees you have, and your specialty.

Workers’ compensation insurance icon

Workers’ compensation insurance

For architects, the average cost of workers’ compensation insurance is $50 per month, or $600 annually.

This policy covers medical expenses and lost wages related to employee injuries. It usually includes employer's liability insurance to protect against lawsuits from injured workers.

Businesses with employees typically must purchase workers' comp to comply with state requirements and avoid penalties. For example, all architecture businesses in California, Pennsylvania, and New York must carry workers' comp if they have one or more employees. Florida businesses need coverage when they have four or more employees, and coverage is optional in Texas.

Since health insurance plans can deny claims for injuries related to your job, workers' comp coverage is also recommended for independent contractors as a financial safety net and for peace of mind.

The cost of workers' comp depends on several factors, primarily the number of employees you have and their occupational risks. You can save money on workers' comp coverage by classifying your employees correctly and implementing a risk management plan to avoid work-related injuries and subsequent claims.

Commercial auto insurance icon

Commercial auto insurance

Architects pay an average of $186 per month, or $2,226 per year, for commercial auto insurance.

This type of insurance pays for legal costs and medical bills if your company vehicle injures someone or damages their property in an accident. It can also cover vehicle theft, vandalism, and weather damage.

Most states require commercial auto insurance for vehicles owned by an architecture business. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.

The cost of commercial auto insurance depends on several factors, including your policy limits, additional coverage options you choose (e.g., additional insured endorsements), the number and value of your vehicles, and the driving records of anyone permitted to drive.

Cyber insurance icon

Cyber insurance

Building design professionals spend an average of $84 per month, or $1,002 per year, on cyber insurance. This policy is also called cyber liability insurance or cybersecurity insurance.

Cyber insurance helps your architecture business recover financially after a cyberattack or data breach. It can cover data breach investigations, cyber extortion payments, and costs related to complying with your state's data breach laws.

A cyber liability insurance policy is especially crucial for architecture businesses that store sensitive client information, such as credit card numbers, Social Security numbers, and email addresses.

The cost of cyber insurance and the coverage you need depend on the amount of sensitive information you handle at your architectural firm.

How do I get architect insurance?

Insureon can help architects, engineers, interior designers, and other building design professionals find affordable insurance coverage in three easy steps:

  1. Fill out a free online application with details about your business.
  2. Compare custom quotes from top-rated U.S. insurance companies.
  3. Select a policy and pay the premium to begin coverage.

You can consult a licensed insurance agent for questions about your risks, state insurance requirements, and the best types of coverage for your business needs.

Once you've bought a policy that best meets your insurance needs, you can download a certificate of insurance for proof of coverage. Most small business owners can get coverage with the right insurance solutions within 24 hours of applying for quotes.

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Updated: March 3, 2025

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