{"node":{"id":"d3fd3bc8-19aa-4b1c-9f2e-bc2774422d0a","handle":"d3fd","type":"note","authorName":"PI Insurance","intent":"learning","title":"PI insurance for architects (piinsurance.com.au/architects/)","aiSummary":null,"content":"Professional indemnity insurance for architects covers claims that a design, document or site advice caused a client or owner a loss. Most state boards expect registered architects to hold it.\n\nSource: https://piinsurance.com.au/architects/, fetched from the preview https://pi-react-4ee768.pages.dev/architects/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\nSite label: Most state boards expect it.\n\n## Why you need it: your state board\n\nArchitects are registered by state boards, and most boards expect registered architects to hold PI. Victoria sets a minimum by ministerial order and NSW requires appropriate cover under its code of professional conduct. Check with your state board for the current amount.\n\n## Typical limits\n\n$1m to $2m for residential practices. $5m to $10m for commercial and government work, often with run-off.\n\n## What can go wrong\n\nIllustrative scenarios, not real claims.\n\n### A home that breached the setback\n\nA house you designed is found to sit inside the boundary setback. The owner claims the cost of changing it and the delay.\n\n### Waterproofing detail that failed\n\nA balcony detail leaks into the unit below. The owners corporation claims repairs from the builder and the builder joins you.\n\n## Common exclusions to watch\n- Cladding and combustible materials\n- Project management you did not declare\n- Cost estimates given as guarantees\n- Work before the retroactive date\n\nWording differs between policies. Read the policy wording, or ask us to point out what it says.\n\n## Types of architects\n\n### Residential architects\n\nOwner-builders and small builders are the usual clients. Insurers ask about apartment work.\n\n### Commercial architects\n\nLarger projects bring larger limits and contract run-off terms.\n\n### Landscape architects\n\nOften rated with designers rather than architects.\n\n## Common questions\n\n### Do architects need professional indemnity insurance?\n\nArchitects are registered by state boards, and most boards expect registered architects to hold PI. Victoria sets a minimum by ministerial order and NSW requires appropriate cover under its code of professional conduct. Check with your state board for the current amount.\n\n### How much PI cover do architects need?\n\n$1m to $2m for residential practices. $5m to $10m for commercial and government work, often with run-off.","capturedAt":"2026-11-10T01:00:34.050Z","createdAt":"2026-11-10T01:00:34.050Z","updatedAt":"2026-11-10T01:00:34.050Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:42.549Z"}],"fingerprint":"24419c4368634dd896175da72080a5b9ffcccc56fbc36f0de29e54721e444f04","revisionNo":"1","structureHash":"28e2e69e3b992f3b2a55cca57b2c24e4ab2040cb2459170386a7d431f3dc512c","page":"https://lattris.com/by/2/memories/d3fd3bc8-19aa-4b1c-9f2e-bc2774422d0a"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's work is closer to the page for structural engineers, or they do both: its limits, examples and exclusions.","hash":"0b9cf06828858c70a3a9690b30f1fe1e71b60fc4bc3c0e79643f1108a5e86c60","node":{"id":"0e46abd9-0261-4d4c-b7a0-0673689b4703","handle":"0e46","type":"note","title":"PI insurance for structural engineers (piinsurance.com.au/structural-engineers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/0e46abd9-0261-4d4c-b7a0-0673689b4703?links=1","fingerprint":"0d919ddcb82968476dcdd264dbf0eacecc8ab89c2e521bb2f8e9bc1a2cacc884","revisionNo":"1","structureHash":"c74934b194ef1f72b9ae6081ed2f1c4de3986594218f72a21205bd94ef19c492","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/0e46abd9-0261-4d4c-b7a0-0673689b4703"}},{"direction":"out","verb":"references","reason":"Follow when the person's client has complained or threatened to sue.","hash":"bcdafb66f8817a402f42b268f89ad98ec329f5e3d8fc3d0215010083f1b931bc","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. 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