Landscape Architects
3 Docs
What is Run-Off Cover
Last Updated: August 9, 2025Run-off cover is a type of insurance that kicks in after you stop working, retire, or sell your business. Run-off cover extends a claims-made insurance policy, protecting you against claims that arise from past work, even when you are no longer operating. It’s most often used with Professional Indemnity Insurance, which only responds to claims made during the policy period. Without run-off, you could be left exposed if a client brings a claim months or even years after your last job. Run-off can usually be arranged as an annual policy or paid up-front for multiple years. It has a step-down premium calculation, with a rough indication being that for 7 years of run-off cover, the premium will be around 4 times your last insurance premium. For example, your final year premium is $2,000. To obtain 7 years of run-off coverage, the premium will be approximately $8,000. If only one year of run-off cover is required, the premium is generally the same as your final year’s premium, which in this case would be $2,000. ** Note that each insurer operates differently and may offer amounts that differ from the indicated amount. ** Run-off is a smart way to protect your legacy...
I undertake both Landscape Design & Construction Services, do I need different PI Insurance
Last Updated: June 19, 2025Yes. If your business is involved in both the design and construction or implementation of landscape works, then you may require a Design & Construct (D&C) Professional Indemnity policy instead of a standard Professional Indemnity policy. A Design & Construct policy is tailored for businesses that: Provide landscape design services and also manage or perform the physical landscaping works Subcontract the construction of their designs to third parties Take on contractual responsibility for both the design and the final delivered result Provide landscape project management or construction supervision with input into the build itself Standard Professional Indemnity policies typically exclude physical works or site-based activity. If you undertake or oversee the construction component of your projects, and something goes wrong (e.g. the landscape fails due to design or execution issues), you could be exposed to claims that are not covered under a standard PI policy. We can help determine whether your business activities require D&C cover and ensure your insurance reflects your full range of services. Contact our team today to assist you with your insurance requirements.
What information do I need to provide for a quote as a Landscape Architect
Last Updated: June 19, 2025To provide an accurate professional indemnity and public liability quote for your Landscape Architecture business, we will usually request: A breakdown of your services (e.g. design only, site supervision, contract admin) Your annual turnover or fee income Project types (residential, commercial, public) Any subcontractors or consultants you engage Details of any past claims or known issues This information is collected within our short online Proposal Form. If you need a hand completing the form, please contact our team.