{"id":1499,"date":"2024-12-19T14:59:46","date_gmt":"2024-12-19T13:59:46","guid":{"rendered":"https:\/\/ace-cae.eu\/?post_type=ace-insurance&p=1499"},"modified":"2024-12-19T15:47:00","modified_gmt":"2024-12-19T14:47:00","slug":"switzerland","status":"publish","type":"ace-insurance","link":"https:\/\/ace-cae.eu\/cs\/insurance\/switzerland\/","title":{"rendered":"Switzerland"},"content":{"rendered":"\n
Category<\/th>Details<\/th><\/tr><\/thead>
Member organisation(s):
Conf\u00e9rence Suisse des Architectes (CSA)
Obligation to insure?
No, civil professional liability insurance may cover personal
injury and material damage as well as damage to structures.
Legal Obligation to insure?
There is no legal obligation for architects to take out
business liability insurance.<\/td>		<\/td><\/tr>
Legal Basis
Commonly used Terms and Conditions:
Art. 98 par. 3 of the Swiss Federal Constitution and Federal
Law on Insurance Contracts. These damages can be insured:
\u2012 Personal injury and material damage
\u2012 Structural damage (defect or material damage owed to
planning or construction management errors)
\u2012 Purely pecuniary losses.
What are the requirements needed in order to obtain an
Insurance?
It depends on the insurer\u2019s requirements. Specialist training
or corresponding professional experience is required.
Calculation of insurance premium:
Depends on revenue from fees, salaries of the architectural
firm, costs of the structure planned or the size of the contract.
Combining multiple insurances may influence the premium.<\/td>		Contractual liability:
\u2012 Liabilities before and\/or during the works:
In general yes.
\u2012 Is the end of the construction phase as a point of
departure for a period of specific liabilities?
Depends on context and the size of the architectural
contract. See SIA 118 (2013) and SIA 102 (2014).
Liabilities after work:
Harm to the structure (to its soundness or
stability):
Yes
Unsuitability for the function:
It depends
Hidden defects:
It depends<\/td><\/tr>
Forms of Insurance contract:
As mentioned above, there is no obligation for architects to
take out business liability insurance. Each insurance
company is therefore free to determine the form of their
insurance contracts.
In particular, the following forms exist:
\u2012 Conventional office policy
\u2012 Various types of project-specific insurance contracts
(ARGE (consortium) or GP (overall designer\/planner)
insurance, etc.).<\/td>		Joint and several (in solidum) liability:
Typically only strict liability (causa), except in case of Art. 58
of the Code of Obligations. Joint and individual liability are
generally resolved by means of project-specific ARGE
insurance. In smaller projects joint and several liability might
be insured by multiple providers in the context of a consortium
(Arbeitsgemeinschaft) under a conventional office policy but is
subject to reservations and exclusions.
Insurers respond to a claims made or claims rising basis?
Three models are offered\/insured for the duration of cover:
Claims Made, Loss Occurrence and Action Committed<\/td><\/tr>
Insurances \/ Agents:
It is a free market, although very strongly regulated.<\/td>		Duration of Liability:
Professional client:
5 years, see Art. 371 par. 2, Code of Obligations
Consumer client:
Same as professional client
Liability during and after construction:
Basically 5 years, see professional client.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

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