Gaps in cover

As noted elsewhere, PI insurance does not provide (and is not intended to provide) complete protection against professional risks. Even when a claim is covered by professional indemnity insurance, the architect still bears some costs, such as:

  • the policy excess (likely to be several thousand dollars or more)
  • any amount the successful claim is over and above the policy 'limit of indemnity'
  • liability under some kinds of contract clauses (such as warranties and indemnities) that is excluded from cover
  • any liability for types of claims excluded under other common, or unique, exclusions.