ARCHITECTS INSURANCE
SCHEME
AIS is a tailored PI insurance scheme developed by architects, for architects. Backed by expert brokers and managers and designed for modern architectural practices.
*Our primary offer is placed via Rokstone Underwriting, with A- rated (AM Best) capacity from Accredited Insurance (Europe) Limited. Depending on your specific needs, you may be offered terms from an alternative insurer.
The problem with traditional PI insurance
You already know PI cover is essential, but you’ve told us it’s holding your practice back. Since 2017, premiums have soared, exclusions have multiplied, and claims handling can feel like a black hole.
AIS has been created with those challenges in mind and with a clear vision for how a better and more stable future can be provided.
The scheme aims to provide:
- Stable, transparent pricing
- Enhanced cover that meets industry expectations
- An open and collaborative claims process, and ultimately
- A mutual model where members have a say.
What AIS offers
Your PI cover protects your business against legal costs and claims by third parties for damages arising from acts, omissions or breaches of professional duty in the course of your business.
Robust Cover Limits
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Up to £5 million for any one claim.
An ‘Excellent’ Rated Insurer
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Rated Excellent (AM Best, A-)*.
*AM Best is the largest credit rating agency in the world specialising in the insurance industry.
Standard Cover
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Standard cover typically includes:
• Civil liability incurred during the course of an insured’s professional business
• Compensation for court attendance
• Data protection prosecution defence costs
• Defence costs involved in the defence or settlement of a claim
• Fidelity
• Legal representation costs
• Loss of documents
• Prosecution defence costs, including under the Construction Regulations 2007
• The cost of representation at disciplinary tribunals and awards made by the Ombudsman.
Clear Exclusions
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Typically, policies may exclude:
• Asbestos and mould
• Contractual liability and collateral warranties
• Death or bodily injury
• Deliberate acts
• Dishonesty and fraud
• Goods and products
• Insolvency
• Loss arising from goods and software
• Patents and trade secrets
• Physical loss or property loss
• Pollution
• Prior awareness
• Radiation
• Surveys, Home Condition Reports and EPCs.
Who Can Join the Scheme?
AIS is designed for well-managed architect practices with clean claims records and a commitment to quality and risk management. That’s how we keep premiums low — and offer discounts of up to 20% for new members.
Less suited to:
High-risk sectors (e.g. oil, gas, basements)
Modular without a PRQA process
Poor claims history (20%+ loss ratio).
Practices likely to benefit:
Operating 3+ years
Positive cashflow & experience
Clean claims history
Focused on interiors/refurbishment
Offering regular training and updates.
Getting Covered Is Simple
Request a Quote
Provide us with basic details about your practice, and we’ll give you a tailored quote.
Review Your Options
Our experts will guide you through the available policies to find the best fit for your needs.
Get Insured
Once you select your policy, we’ll handle the paperwork, ensuring you’re covered quickly and efficiently.
Ongoing Support
Our team is here for you, providing continuous support and updates to keep your coverage current.
Get your Quote
We would love to hear from you.
Feel free to reach out using the below details.
FAQ
Who are Prospect Mutual Management and Sanctuary Insurance Brokers Ltd?
Prospect Mutual Management and Sanctuary Insurance Brokers Ltd are the companies behind the Architects Insurance Scheme (AIS). They have combined their expertise to offer a tailored insurance solution for SME architects. Their role is to manage the scheme, provide professional advice, and ensure that the insurance policies meet the specific needs of SME architects.
Why do SME architects need Professional Indemnity Insurance?
Professional Indemnity Insurance is essential for SME architects because it protects against claims of negligence or errors in their work. It’s also a mandatory requirement for RIBA members and helps build trust with clients by showing they are covered for potential risks.
What does the PI insurance cover?
The PI insurance covers legal costs and expenses involved in defending claims, as well as compensation for financial loss due to errors, omissions, or negligence in your professional services.
Why do SME architects need Professional Indemnity Insurance?
Professional Indemnity Insurance is essential for SME architects because it protects against claims of negligence or errors in their work. It’s also a mandatory requirement for RIBA members and helps build trust with clients by showing they are covered for potential risks.
Ready to Protect Your Architectural Practice?
Contact us today to secure tailored Professional Indemnity Insurance and gain peace of mind, knowing you’re covered. Let’s discuss how we can support your practice with the right coverage at competitive rates.