A design decision can create liability even when the work is unpaid. Professional indemnity for architects is compulsory in some Australian jurisdictions: in South Australia, practising architects must hold their own policy or be named on their employer’s, with at least A$1 million cover for any one claim and in the aggregate, plus defence costs in addition to the limit.It’s understandable to want a clear answer before arranging cover, especially if you work for an employer, take on private projects or provide advice as a building designer. Professional indemnity for architects should reflect the services you actually provide and the risks attached to them.This article explains what professional indemnity insurance may cover, when an employer’s policy may apply and why professional duties can arise even when no fee is charged. It also outlines the business and project information to prepare for a quote, so you can start the conversation with a clear picture of your work. Key Takeaways Read your employer’s policy carefully and distinguish work done in your role from private or freelance projects. Understand how design errors, regulatory issues or incomplete documents can lead to allegations of financial loss. Remember that professional duties can apply to unpaid architectural work, so pro bono services still need careful risk consideration. Prepare a clear summary of your services, projects and business changes to help shape a relevant insurance quote. Table of Contents What if my employer’s professional indemnity insurance covers me? Professional indemnity insurance for architects and building designers Civil liability for professional design and advisory services MyGen Insurance Brokers: Business Insurance What if my employer’s professional indemnity insurance covers me? An employer’s policy protects you only within its insured scope, role and named insureds. South Australian architects must hold their own professional indemnity policy or be named on their employer’s. That policy excludes private or freelance architectural services outside the job. In Victoria, each architect remains responsible for compliant cover, including when employed.Professional indemnity insurance can respond when a client alleges that an architect’s, engineer’s or designer’s advice or service caused financial loss. Depending on the policy, it may help meet legal defence costs and compensation. A design error or incomplete drawing could lead to a claim. Public liability is different: it generally concerns third-party injury or property damage, not the quality of professional advice.Who needs cover depends on the work, jurisdiction and contracts. Architects may have registration requirements, while a client may require a building designer or engineer to hold cover before engagement. In South Australia, the duty of care also applies to unpaid architectural work, so pro bono projects still carry professional exposure. List every service you provide, including side … [Read more...] about Professional indemnity cover for architects and building designers