ABSTRACT
If architects make mistakes, they can cause losses which are many times larger than the fees received for the particular project. On larger projects, architects can be liable for millions of pounds in damages. Since architects can cause substantial losses, clients will often require architects to provide proof of adequate insurance cover. The insured will usually arrange insurance through a broker. The broker is traditionally the agent of the insured, not the insurer, although the broker will have connections with different insurers. As a matter of law, the parties to an insurance contract owe each other a duty of utmost good faith. This is specific to insurance contracts, and arises principally because the insurer has to rely upon the insured for information about the risk. Careful reference must be made to the actual terms of the particular policy to see what it covers and what it does not cover.
