Fore Street, Glasgow – Hypostyle Architects

© Tom Manley

RIAS Insurance Services

Standard 8 of the Architects Code: Standards of Code and Practice requires that:

Architects should not undertake professional work without adequate and appropriate professional indemnity insurance cover.

The Architects Registration Board (ARB) have confirmed that Architects need to be aware that the terms and conditions of PII policies differ, and it is therefore necessary that Architects make proper enquiry to satisfy themselves that the policy on offer matches all their requirements. The ARB have published their full guidelines, on their website.

Professional Indemnity Insurance for RIAS Members

RIAS Insurance Services, a trading name of Marsh Ltd, was established in 1984 to provide professional indemnity insurance to RIAS members. The key reasons behind that decision were:

  • to provide stability in a volatile insurance market and to put in place an enduring scheme for professional indemnity insurance for architects in Scotland at competitive premium rates.
  • to promote the adoption of risk management techniques through education and the sharing of information. This enables members to be better placed to deal with the ever-changing legal and commercial issues which face them.

Over the years, the insurance schemes have enjoyed strong support from RIAS members, who have derived great value from them - including through the recent period of volatility in the Professional Indemnity insurance market.

The Schemes

Small Practice Scheme

From 1st July 2022 we are pleased to offer this scheme to members declaring up to £200,000 in fees. There is a common annual renewal date of 1 July for all policies, and insurers will apply a pro-rata charge to those who join part-way through the insurance year. In addition, there is a market leading extension offered for fire safety claims, providing £250,000 in the annual aggregate within the overall limit of indemnity. Please contact RIAS Insurance Services for more information about the Small Practice Insurance Scheme.

The scheme has been further enhanced in 2022 to include:

  • A light touch renewal process to generate the single scheme quote.
  • Maintaining the agreed 2021 premium rates.
  • Agreement to maintain 2021 premium rates for the next three years for members who renew on the scheme, with an allowance for <15% fee uplift.
  • A 35% discount for any new practices in their first year of operation.

Main Insurance Scheme Transitions to Open Market Insurance

RIAS Insurance Services will continue to guide, advise, and access professional indemnity insurance quotations for existing Main Insurance Scheme policyholders and new RIAS members with more than £200,000 fees, on an open market individual basis with a range of insurers.

Having represented architects in Scotland for decades, RIAS Insurance Services is well-placed to continue to guide RIAS members through changing and challenging market conditions and provide competitively priced coverage in line with the Architects Registration Board (ARB) guidelines, but which is not widely available in the open market. Please contact RIAS Insurance Services for information about your options.

Benefits of Using RIAS Insurance Services


Premium payments spread across monthly instalments with 0% interest for RIAS members on the Small Practice Scheme. Please contact RIAS Insurance Services for further information.

Collateral Warranties

Non-legal advice on documents such as collateral warranties, duty of care agreements, letters of appointment or similar is provided by RIAS Insurance Services to members. The purpose of referring these documents is to ensure that you are not accepting obligations which are beyond the scope of your insurance policy cover.


In the event that an allegation of negligence is made against you, RIAS Insurance Services will help guide you through the claims process. This will usually entail liaising and negotiating with the insurers, their appointed solicitor or loss consultant, and the claimant's representatives. Should you have to notify a claim, potential claim, or circumstance then please phone Susan Moore on 0131 311 4261.


If you require a quotation for professional indemnity insurance please contact Alexander Gowing (

RIAS Insurance Services is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2021 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved. MC210624337