Architect, which insurance to choose?
We'll explain everything you need to know about insurance if you're an architect. In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. What are your specific needs as an architect? What are the main risks in your business? When do you become responsible as an architect? We explain everything to you and give you a list of the best architect insurance.
Summary
Architect, what are your compulsory insurances?
What is the price of professional architectural insurance?
Architectural professional civil liability insurance
What are the best architect insurance?
Architect, what are your compulsory insurances?
Professional Liability
Status
Mandatory for freelance architects, partners of architectural firms and architectural firms
advice
The cost of this insurance will be simple to double depending on the missions carried out (same thing for the ten-year guarantee)
Ten-year liability
Status
Obligatory
advice
Must be subscribed before the start of work to be valid
Structural Damage Insurance
Status
Mandatory if you are also the client, optional for others
advice
Covers repairs of construction-related damage covered by the ten-year warranty
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed.
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already personally insured, do not forget to include professional use in your contract (this is often possible).
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
advice
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional architectural insurance?
Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS.
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our architect insurance comparators
COMPARE 12 CONTRACTS
RC PRO INSURANCE
COMPARE 34 CONTRACTS
MUTUAL TNS
COMPARE 7 CONTRACTS
MULTI-RISK INSURANCE
COMPARE 7 INSURANCE CONTRACTS
WORK DAMAGE
Architectural professional civil liability insurance
RCP architect protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace.
It sets us apart from architects and interior designers. An architect carries out missions in interior design and arrangement of works with intervention on the structure of the building. The interior designer has the same missions but without intervention on the structure of the building. The architect (overall, not just interior) can apply for building permits.
Although you do not have a legal obligation to take out professional liability insurance if you are an employee, this insurance is highly recommended. Indeed, a client can call into question your personal liability when it has no connection with the firm in which you work (for example during an independent order).
This insurance is compulsory if you are an architect.
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