Firm & Employee Coverage

The AIA Trust understands that many AIA Members have small firms or are sole proprietors—yet still need insurance and retirement plans with comprehensive benefits—at reasonable rates. For this reason, the Trustees  work with independent expert advisors to identify, evaluate, design, and monitor programs with the greatest value for you. The AIA Trust has done the research—so that you don’t have to—in order to find quality, specialized benefits for your firm.

While many AIA Trust benefits offer you individual coverage, the following benefits are tailored for your firm—click on each heading for details:

Professional Liability Insurance

The AIA Trust Professional Liability Insurance Program provided by Victor & CNA meets the challenges that architects face today and in the future. It even offers a 5% premium credit to AIA members with eligible firms and Multi-year Policy Terms for small firms. Find out more!

Business Owners Coverage

If you have a firm, then this coverage is for you. It covers general and property liability as well as business property off-premises, computers and other equipment, valuable documents, and more—plus you can add employment practices, workers comp, and umbrella as needed. Be sure you have the coverage you need—check it out!

For You and Your Employees…

• Employee Term life insurance can be offered as an employee benefit to your firm’s employees with coverage for groups of 2 or more employees working 20 or more hours weekly, with billing and coverage flexibility, excellent rates & benefits.  Attract & retain the best employees!

• Employee disability insurance is an excellent employee benefit for an AIA member’s firms of 2 or more employees—with competitive rates and superior benefits with two quality options.  Protect your greatest asset.

• Health Insurance – The AIA Trust offers AIA members an easy way to get a quote for competitive healthcare coverage for small groups of 2 to 50 employees,  via this website (NB: this is not an endorsed group program); click here for details. In addition, you can supplement your coverage with other health-related plans such as Cancer, Hospital, and Long Term Care Insurance.

Get your questions answered about how the Affordable Care Act impacts your firm and employees, so you can navigate new healthcare options to your advantage.

• The AIA Members Retirement Program, administered by AXA offers AIA members a ‘turn key’ program to ensure you, and your employees, can save for retirement without spending your time on plan administration. The Program offers a variety of 401(k) plans well-suited to small firms and sole-proprietors, with minimal administrative fees.  Check out the plans available by clicking above—or call 800-523-1125 (ext. 6652).

Life insurance – Select a monthly premium that’s right for you and apply to add your family’s life insurance protection. Includes the option to lock in your rate for 10 years. Coverage can also be used as “key person” insurance for your firm.

Disability insurance – Help strengthen your disability coverage with up to $6,000 in monthly benefits (which may be tax-free if purchased with your own funds but consult your tax advisor) if a covered injury or illness prevents you from working.

Business Overhead Expense insurance helps ensure that your office doors can stay open and your firm operational by providing monthly benefits for your share of business expenses, such as rent, salaries, and equipment until you can get back on your feet from a covered disability.

Need a Practice Coach?  Call LegaLine, the legal information service by & for architects, tailored to provide small firms with easy access to legal information for an annual subscription fee—which may help you avoid or resolve costly situations before they escalate! Click for details, including introductory rates—or call 1-800-688-9780.

Home Office Insurance:  Nationwide insurance for auto and home offer members on this necessary coverage when you operate from a home office.

Education Credits – The AIA Trust offers numerous opportunities for you to obtain educational credits including webinars, educational materials and self-assessment tests on the AIA Trust website.

Check out the many resources that the AIA Trust has compiled to assist small and new firms by visiting the “Starting a Practice” page here.

FIRM 10/19