Provide offers Architects the easiest & quickest way to get insured. As an Architect, you can face serious legal liability exposure if there are errors in your designs, or faulty works in the final constructed building. Get comprehensive coverage against liability, employee injuries, property damage, & more.
Coverage | Explanation | Importance for architects |
Protects you from lawsuits related to consulting work | Critical | |
Protects your business premises against property damage, e.g. fire, explosions, certain types of water damage, etc. | Critical | |
Protects you against liability to third-parties for property damage or injuries. E.g. clients slipping & falling in your office due to you negligently leaving the floor wet. | Critical | |
Protects your employees if they suffer work-related injuries/sickness. | Legally required for all manual workers, or workers who earn <$2,600/month  | |
Business Interruption Insurance | Provides cash benefit if you cannot operate your consulting business due to covered reasons, e.g. fire at your office. | Very good to have |
Protects you if you suffer a cyber attack. Covers IT restoration costs, data breach liability, PDPA liability, and more. | Good to have |
Professional Indemnity Insurance:Â Consider at least $500,000 to $1 million coverage, at the minimum.
Cyber Insurance: Consider at least $250,000 to $500,000 coverage, at the minimum.
Commercial Property Insurance: If your office gets damaged or destroyed, you’ll need enough coverage to pay for restoring the premises to its original condition. You should gauge the combined cost of: your renovations, furniture, kitchen equipment, and food & beverage inventory. Restaurant owners should have $100,000 property cover, as a bare minimum.
Public Liability Insurance:Â Most restaurant owners will have between $500,000 to $1 million cover. This is the amount that most landlords will ask for in lease agreements.Â
Work Injury Compensation Insurance: You must have at least $45,000 medical expenses cover, per worker. This is a regulatory requirement by MOM.
Business Interruption Insurance: Calculate the amount of gross profit you’d lose if you weren’t able to operate to operate your business for 3-6 months. Cover at least that amount.
Coverage | Coverage amount (example) | Premium |
$100,000 | From $42/month | |
$100,000 | From $19/month, for a comprehensive Architects Insurance Package deal  | |
$500,000 | ||
$10 million common law annual limit  $45,000 medical expenses cover per worker | ||
$10,000 | ||
$250,000 | From $49/month |
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