Professional Indemnity Insurance for Architects is generally written on a claims-made basis. Broadly, the policy in force when a claim is made, or a relevant circumstance is notified, is usually considered, subject to its wording and applicable law.

Why does timing matter? #

Architectural claims can arise years after the design or professional services were completed. Notify Webber Insurance promptly about significant disputes, alleged errors, major defects, formal complaints or demands for rectification.

Do not wait for legal proceedings to begin.

What is a retroactive date? #

The retroactive date identifies how far back covered professional services may have been performed. It may be a specified date, the date Professional Indemnity was first arranged or unlimited.

The applicable date should appear on the policy schedule.

Why should the date be preserved? #

Changing insurer with a later retroactive date can create a gap for historical projects. Give Webber Insurance the expiring schedule and full insurance history when obtaining replacement terms.

What happens when an Architect retires or closes a practice? #

Claims may still arise from earlier projects after the practice stops accepting new work. Run-off Professional Indemnity Insurance may therefore need to be maintained.

The suitable period can be affected by registration requirements, contracts and the time during which claims may arise. Obtain advice before cancelling or materially reducing the cover.