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Covering all angles: Architects professional indemnity market report 2026
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A soft market in a more complex risk environment
Professional indemnity (PI) market conditions have improved for many architectural practices. Increased insurer capacity, stronger underwriting appetite and renewed competition are driving better outcomes at renewal.
However, the landscape is becoming more complex. Regulation is evolving, contractual risk is shifting, and claims are becoming more challenging - increasing exposure across the profession.
This report brings together the key developments shaping the PI market, helping you approach your next renewal and wider risk strategy with clarity and confidence.
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In this report, you can explore:
2025 market trends
2026 market outlook
Claims update
Legislation update
Contractual obligations and PI limit trends
Future claims risks to prepare for
A more competitive PI market
The market is in a soft phase, with increased insurer capacity and new entrants driving competition, and lowering premiums.
Yet, higher-risk areas such as cladding and façade work remain under tight scrutiny.
Regulation is driving long-term exposure
The Building Safety Act is reshaping risk, with liability extending to 15 years, and up to 30 years retrospectively. New dutyholder roles and building liability orders extend responsibility further and for longer.
Claims are stable, but complexity is rising
Notifications have remained broadly stable. However, claims are higher in value, more complex and slower to resolve. Fire safety and cladding continue to drive multi-party, cost-intensive disputes.
Legislation is reshaping contracts
Following the introduction of the BSA, employers are taking a more risk-averse approach to contract drafting. As a result, more responsibility is being passed to consultants.