- #What is the first architect license number code#
- #What is the first architect license number professional#
- #What is the first architect license number free#
There are also technical legal reasons why a contractual limit on liability may not be effective. There is an added danger that even if clients agreed to a ceiling on the amount recoverable in the event of a problem, third parties are not bound by that limit. The architect, who had a fee income below £10,000 and a limit of indemnity of £100,000, might have appeared reasonably covered, but in practice this was shown to be woefully inadequate. As an example, a project worth £30,000 gave rise to a potential claim of £159,000.
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My turnover is below £10,000 per year so why do I need £250,000 cover?Įven a modest project can give rise to a significant claim. This level was set after consultations with insurers and others to establish realistic minimum levels of indemnity. It is important to understand that the Board would not normally consider any cover under £250,000 to be adequate and appropriate. The question that must be considered is “what is the extent of loss that might result from a mistake on any particular project?” Ultimately, it is your responsibility to ensure that you have a level of insurance to cover yourself against such a loss. Decisions on what level of indemnity to hold should be made after giving consideration to the scale and nature of work you intend to undertake, and after discussions with both relevant clients and your insurance broker. The Board recognises that the circumstances in which individuals practice, and in which claims can arise, vary substantially. How can I decide what level of cover is ‘adequate and appropriate?’ They are in line with other professionals and merely meet the minimum expectations of those who deal with other construction professionals. Why are the indemnity limits so high for architects? This should be done by seeking expert advice from your broker, but in any event an architect is expected to hold a limit of indemnity of no less than £250,000.
#What is the first architect license number professional#
It is important to understand, however, that it is the responsibility of a professional person to ensure that they have adequate and appropriate cover. It also recognises that it may be wrong to assume that there is necessarily a link between the level of gross fee income and the potential size of a claim.
#What is the first architect license number code#
The current Code specifies that architects should maintain “adequate and appropriate” PII, and the Guidelines are designed to assist practitioners by encouraging adequate and appropriate cover. The Architects Act 1997 gives the Board power to issue a Code laying down standards of professional conduct and practice. Why has ARB issued Guidelines that set indemnity levels?
#What is the first architect license number free#
Whether you run your own practice, are an employee, a part timer, mainly retired or just giving free or low cost advice, you may still be blamed when something goes wrong and may end up with a claim for compensation against you.Īny member of the public using the professional services of an architect has the right to expect their work to be covered by PII. Most professions have found that the risk of being sued for professional negligence is increasing. Who needs PII?Īnyone who is carrying out professional work may face potential liability.
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Insurance against such eventualities is a necessary requirement of professional practice, and you can and should use it as an important marketing tool that sets you apart from many of your non-professional competitors. Anyone who has had to defend a negligence claim will know that it can be an extremely worrying experience with potentially crippling costs. We live in a society which is increasingly compensation–minded. Professional Indemnity Insurance Why is Professional Indemnity Insurance (PII) necessary?