| Kategori | Detaljerede oplysninger |
|---|---|
| Medlemsorganisation(er) | Suomen Arkkitehtiliitto Finnish Association of Architects SAFA |
| Forsikringspligt | No, but often required by the client |
| Juridisk forpligtelse til at forsikre | Nej |
| Retsgrundlag | Almindeligt anvendte udtryk og betingelser: Land Use and Building Act (132/1999) and Decree (895/1999), The National Building Code of Finland. General Conditions for Consulting (KSE 2013) are used basically in every contract. |
| Krav til at få forsikring | No special requirements |
| Beregning af forsikringspræmie | Differs, but could be for example turnover based + claims history etc. |
| Ansvarssystem/ansvarsperioder | Kontraktligt ansvar: – Forpligtelser før og/eller under arbejdet: Responsible for defects in architect´s own scope of service. Not responsible in respect of the budget, for the program. – Afslutningen af anlægsfasen som et punkt i afgang for en periode med specifikke forpligtelser? Liability ceases within two (2) years from the delivery of the object planned during the assignment (KSE 2013) Forpligtelser efter arbejde: – Guarantee of 2 year min. from the completion of the professional service but liability lasts for 10 yrs for damages caused by “intentional or gross negligence or incomplete performance” (KSE 2013) |
| Typer af forsikringsaftaler | – Subscription contract for all liabilities in a predefined period – Possible also to have an insurance for one defined project |
| Fælles og flere ansvar | No, every party in the project is liable (only) for their own work. |
| Forsikringsselskabets reaktion på krav | Mostly ‘’Claims Made’’. However in some cases the last years, ‘’Claims Arising’’. Depends on the insurance contract. |
| Agenter | For example: AIG www.aig.fi IF www.if..fi Howden www.howdenfinland.fi/ Fennia www.fennia.fi Pohjola www.pohjola.fi Lähitapiola www.lahitapiola.fi |
| Ansvarets varighed | Guarantee of 2 year minimum from the completion of the professional service but liability lasts for 10 years for damages caused by an “intentional or gross negligence or incomplete performance” (KSE 2013) |
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