Professional Liability Insurance for Architects and Construction Managers

Professional Liability Insurance for Architects and Construction Managers in Germany

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Professional liability insurance for self-employed architects

If you work as a self-employed architect, then taking out professional liability insurance is mandatory by law. This also applies to landscape architects, urban planners, general planners and interior designers.

What does professional liability insurance for architects cover?
If you have caused major financial damage due to an incorrect calculation and are sued by the injured client, you will receive coverage from professional liability insurance. This also applies to damage that only occurs after a longer period of time but is your responsibility. Here too, professional liability insurance for architects covers long-term damage. Employees can also be included in the insurance cover.

How much does professional liability insurance cost for architects?
That depends on the projects, deductible and the amount of the construction costs. In addition, the architect can choose between annual insurance or property insurance. This also applies to landscape architects and planners. The annual premiums vary between 500 euros and 10,000 euros.

Compare professional liability insurance rates
Compare now for free on our online calculator which rate is the cheapest for you. If you have special construction projects or further questions, please contact us.

The following risks are covered by professional liability insurance for architects:

1. Planning errors
If an architect makes a mistake when planning a building, e.g. an incorrect static calculation or inaccurate construction plans, this can lead to considerable additional costs or even construction damage.
In this case, professional liability insurance covers the costs of correcting these errors and any resulting damage, including repair costs and possible claims for damages.
2. Monitoring errors
Architects are often responsible for construction monitoring. Errors in construction monitoring, such as overlooking defects or inadequate control of construction work, can lead to construction defects.
Professional liability insurance covers the costs of damage caused by such monitoring errors, as well as any consequential damage.
3. Financial losses
Architects can also be held liable for purely financial losses, e.g. if delays or incorrect advice result in financial disadvantages for the client.
Professional liability insurance covers these financial losses caused by incorrect advice, incorrect cost calculations or delays in deadlines.
4. Infringement of copyright
If an architect uses protected designs, plans or other copyrighted works without permission, copyright disputes can arise.
The insurance covers the costs of legal disputes and claims for damages in connection with the infringement of copyright.
5. Liability for subcontractors
If the architect hires subcontractors such as engineers or construction companies and they make mistakes, the architect can also be held liable.
Professional liability insurance also protects the architect in these cases by paying for damages caused by the fault of subcontractors. 6. Contractual penalties
Architectural contracts may include contractual penalties, e.g. for late completion of plans or construction supervision.
Professional liability insurance may also, in some cases, cover contractual penalties incurred due to delays or non-compliance with contractual obligations.
7. Damage to third-party property
In the course of their work, architects may inadvertently damage third-party property, e.g. by giving incorrect instructions on the construction site.
Professional liability insurance covers such property damage, including the cost of repairs or replacement.
8. Legal disputes
Architects may become involved in legal disputes, whether due to errors in contracts or other professional actions.
The insurance covers the costs of legal fees and court costs, as well as any compensation for damages arising from legal disputes.