Architects PI — route decision
Non-RIBA architects PI route selector
Reviewed by Matthew Bartlett, Director, Apex Insurance Brokers Limited · Published 15 July 2026
Not every UK architectural practice is (or wants to be) a RIBA member. RIBA endorses one broker — RIBAIA (Gallagher-owned). Non-RIBA architects operate outside that scheme. ARB registration is the regulatory requirement, not RIBA membership. This page sets out how non-RIBA practices place PI.
Who this page is for
- ARB-registered practices that never joined RIBA.
- Former RIBA members who resigned or lapsed.
- Overseas-qualified architects ARB-registered but not RIBA.
- Practices unhappy with RIBAIA pricing or service.
- Firms outside the RIBAIA underwriting mandate — specialist practices, difficult-risk cases.
The route options
1. Open-market via specialist broker
Independent broker with multi-insurer access places direct with SRA of participating markets plus wholesale Lloyd's. Not tied to any professional-body scheme. Apex operates this model.
2. Direct-to-insurer
Some insurers accept direct applications from architects. Limited to standard profiles; no advisory service; fails on difficult-risk.
3. Return to RIBA membership + RIBAIA
Rejoin RIBA (or maintain) and use the endorsed scheme. Works for firms fitting the mandate; scheme constraints apply.
Why the non-RIBA route often wins
- Independence. Not tied to a single insurer relationship.
- Wider market access. Multiple insurers competing for the placement.
- Difficult-risk capability. Wholesale Lloyd's market for firms outside standard mandates.
- BSA-touching residential exposure. Specialist market appetite that endorsed schemes may not offer.
- Independent advice. Not filtered through a scheme insurer's book position.
Frequently asked
Do I need to be a RIBA member for PI cover?
No. ARB registration is the regulatory requirement. RIBA membership is voluntary and separate.
Can I use RIBAIA if I'm not a RIBA member?
RIBAIA is the endorsed broker for RIBA members. Non-members would need to join RIBA to access.
Is Apex able to place PI for ARB-only architects?
Yes. All ARB-registered practices, regardless of RIBA status.
What if I lapsed RIBA?
PI cover continues via alternative broker route. ARB registration is what matters for cover eligibility.