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Professional Indemnity Insurance

Architects (practising) must be covered by professional indemnity insurance. This covers against legal liability resulting from any claims made during the insurance period.

Professional indemnity insurance must meet the requirements of the Architects Insurance Ministerial Order (January 2020).

See page 5 of the Victorian Government Gazette to read the Ministerial Order: Click here

Providing proof of professional indemnity insurance

When you must provide the complete policy

You must provide the ARBV your complete professional indemnity policy as proof that you are covered by the required insurance when:

  • you apply to register as an architect (practising)
  • the policy is renewed or changed (e.g. if you change insurers or employers)

You must provide the complete professional indemnity insurance policy. A certificate of currency is not enough.

If you apply to register as an architect (practising), we will ask you to provide the professional indemnity insurance policy when you apply. Apply to register

When you must declare your insurance coverage

Architects (practising) must declare that they are covered by the required professional indemnity insurance at registration renewal by 1 July every year. The declaration is completed via the ARBV online portal.

Where to send insurance documents

Email the professional indemnity insurance policy that covers you to compliance@arbv.vic.gov.au

Know your responsibilities

Employers usually provide professional indemnity insurance cover for the architects they employ.

Architects are responsible for ensuring a current professional indemnity insurance policy covers them.

Architects must provide a complete copy of the policy to the ARBV. If the policy is not provided the ARBV may refuse an application or immediately suspend a registration (pending inquiry). If this happens, it is illegal for an architect to provide architectural services or represent themselves as an architect.

If you have questions about your insurance cover, please contact your insurance provider.

Wall cladding and professional indemnity insurance

If an insurer excludes or limits coverage for non-compliant external wall cladding, it is compliant.

For more information on changes to professional indemnity insurance, see page 5 of the Victorian Government Gazette to read the Ministerial Order: Click here

Frequently asked questions - professional indemnity insurance

Professional indemnity insurance changes

What’s changed?

The Architects Insurance Ministerial Order for architects has been remade (effective 15 February 2020). As a result:

  • If an insurer excludes or limits the extent to which they cover risks associated with non-compliant external wall cladding, it is compliant.
  • We have changed our approach to professional indemnity insurance compliance. Architects (practising) must now provide the ARBV a complete copy of the professional indemnity insurance policy that covers them. A certificate of currency is not enough.
  • Architects must declare that they are covered by the required professional indemnity insurance policy at registration renewal by 1 July every year.

For more information on changes to professional indemnity insurance, see page 5 of the Victorian Government Gazette to read the Ministerial Order: Click here

What do I need to do?

You must provide the ARBV with your complete professional indemnity policy as proof that you are covered by the required insurance when:

  • you apply to register as an architect (practising)
  • the policy is renewed or changed (e.g. if you change insurers or employers)

You must provide the complete professional indemnity insurance policy. The certificate of currency is not enough.

If you apply to register as an architect (practising), we will ask you to provide the professional indemnity insurance policy when you apply. Apply to register

Architects must also declare that they are covered by the required professional indemnity insurance at each registration renewal by 1 July every year.

I recently provided the ARBV with a certificate of currency, what do I need to do?

No immediate action is needed.  You must provide the ARBV with a copy of the complete professional indemnity policy when it is renewed or changes (such as if you change insurers or employers).  Email the policy to compliance@arbv.vic.gov.au

You must also declare that you are covered by professional indemnity insurance at registration renewal by 1 July every year. The declaration is completed via the ARBV online portal.

Professional indemnity insurance requirements

What professional indemnity insurance do I need?

Architects (practising) must be covered by professional indemnity insurance that meets the requirements of the Architects Insurance Ministerial Order.

The minimum cover required is $1 million and not less than $200,000 or 20% for defence costs or $1.2 million with defence costs included. Policies must also include a least one automatic reinstatement.

If you have questions about your insurance cover, please contact your insurance provider.

I am applying to register as an architect (practising). Do I need professional indemnity insurance?

Yes. You must provide a copy of the complete professional indemnity insurance policy that covers you as part of your application for registration. A certificate of currency is not enough.

I am registered as an architect (non-practising), do I need professional indemnity insurance?

No, as you are not providing architectural services. If you apply to become an architect (practising) you will need to be covered by professional indemnity insurance and provide a complete copy of the policy to us as part of your application. A certificate of currency is not enough.

What do I need to provide to the ARBV?

Architects (practising) must provide a complete copy of the professional indemnity insurance that covers them.

Architects must also declare that they are covered by professional indemnity insurance at registration renewal by 1 July every year.

When do I need to provide my professional indemnity insurance policy to the ARBV?

When applying for registration and when the policy is renewed or changed (such as if you change insurers or employers).  The timing of this will depend on your policy and situation.

How do I provide the ARBV with my professional indemnity insurance policy?

Send your policy to compliance@arbv.vic.gov.au

This is the same email address we have been using to receive certificates of currency.

What if my employer’s professional indemnity insurance covers me?

Employers usually provide professional indemnity insurance cover for the architects they employ.

Architects are responsible for ensuring a current professional indemnity insurance policy covers them.

Architects must provide a complete copy of the policy to the ARBV.

What if I don’t provide the ARBV with my professional indemnity insurance policy?

If the policy is not provided the ARBV may refuse an application or immediately suspend a registration (pending inquiry). If this happens, it is illegal for an architect to provide architectural services or represent themselves as an architect.

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