{"id":1521,"date":"2024-12-19T15:28:45","date_gmt":"2024-12-19T14:28:45","guid":{"rendered":"https:\/\/ace-cae.eu\/?post_type=ace-insurance&p=1521"},"modified":"2024-12-19T15:40:08","modified_gmt":"2024-12-19T14:40:08","slug":"germany","status":"publish","type":"ace-insurance","link":"https:\/\/ace-cae.eu\/da\/insurance\/germany\/","title":{"rendered":"Germany"},"content":{"rendered":"\n
Category<\/th>Details<\/th><\/tr><\/thead>
Member Organisation(s)<\/td>BAK- Architects’ Delegation Germany –
Bundesarchitektenkammer
BDA- Architects’ Delegation Germany-Bund Deutscher Architekten
BDB- Architects’ Delegation Germany-Bund Deutscher Baumeister Architekten und Ingenieure BDB
VfA- Architects’ Delegation Germany-Vereinigung
freischaffender Architekten<\/td><\/tr>
Obligation to Insure<\/td>Yes<\/td><\/tr>
Legal Obligation to Insure<\/td>Depends on type of activity and state, but predominantly yes.<\/td><\/tr>
Legal Basis<\/td>Commonly used Term and Conditions:
German civil law.<\/td><\/tr>
Requirements to Obtain Insurance<\/td>Registration at Chamber of Architects.<\/td><\/tr>
Calculation of Insurance Premium<\/td>Based on yearly net income from insured activity, estimates provided by policy holder.<\/td><\/tr>
Liability System \/ Liability Periods<\/td>Contractual liability:
– Liabilities before and\/or during the works:
Possible error in consulting\/adisory before the
works. Liability during the works for violations of
contractual an legal obligations.
The end of the construction phase as a point of
departure for a period of specific liabilities?
The end of the construction and the acceptance
can be relevant for the limitation period (begin of
limitation).

Liabilities after work:
Harm to the structure (to its soundness or
stability): Yes
Unsuitability for the function: Yes<\/td><\/tr>
Forms of Insurance Contract<\/td>Yearly contracts, single contracts for individual objects, extended insurance for building contractors (developer).<\/td><\/tr>
Joint and Several Liability<\/td>Joint liability with concerned construction companies, with other planners \/ or experts, also with the client (for example if a constrcution worker has an accident on site).<\/td><\/tr>
Insurer Response to Claims<\/td>Claims are handled on a \u201cclaims by occurence\u201d basis.<\/td><\/tr>
Agents<\/td>AIA AG\/EUROMAF (subsidiaries of MAF\/France)
VHV
HDI
R & V<\/td><\/tr>
Duration of Liability<\/td>Professional client:
Generally 5 years.

Consumer client:
Generally 5 years.

Liability during and after
construction: Generally 5 years.<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

Category Details Member Organisation(s) BAK- Architects’ Delegation Germany –BundesarchitektenkammerBDA- Architects’ Delegation Germany-Bund Deutscher ArchitektenBDB- Architects’<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"inline_featured_image":false},"class_list":["post-1521","ace-insurance","type-ace-insurance","status-publish","hentry"],"yoast_head":"\nGermany - Architects' Council of Europe<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ace-cae.eu\/da\/insurance\/germany\/\" \/>\n<meta property=\"og:locale\" content=\"da_DK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Germany\" \/>\n<meta property=\"og:description\" content=\"Category Details Member Organisation(s) BAK- Architects’ Delegation Germany –BundesarchitektenkammerBDA- Architects’ Delegation Germany-Bund Deutscher ArchitektenBDB- Architects’\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ace-cae.eu\/da\/insurance\/germany\/\" \/>\n<meta property=\"og:site_name\" content=\"Architects' Council of Europe\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ArchitectsEU\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-19T14:40:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ace-cae.eu\/wp-content\/uploads\/2024\/12\/ace-cae-sm.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2667\" \/>\n\t<meta property=\"og:image:height\" content=\"1500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Ace_Cae\" \/>\n<meta name=\"twitter:label1\" content=\"Estimeret l\u00e6setid\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/germany\\\/\",\"url\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/germany\\\/\",\"name\":\"Germany - Architects' Council of Europe\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#website\"},\"datePublished\":\"2024-12-19T14:28:45+00:00\",\"dateModified\":\"2024-12-19T14:40:08+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/germany\\\/#breadcrumb\"},\"inLanguage\":\"da-DK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/germany\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/germany\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/ace-cae.eu\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurances Overviews\",\"item\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Germany\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#website\",\"url\":\"https:\\\/\\\/ace-cae.eu\\\/\",\"name\":\"Architects' Council of Europe\",\"description\":\"High-quality architecture and living environments for all.\",\"publisher\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#organization\"},\"alternateName\":\"ACE-CAE\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/ace-cae.eu\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"da-DK\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#organization\",\"name\":\"Architects' Council of Europe\",\"alternateName\":\"ACE-CAE\",\"url\":\"https:\\\/\\\/ace-cae.eu\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"da-DK\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/ace-cae.eu\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/logo.svg\",\"contentUrl\":\"https:\\\/\\\/ace-cae.eu\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/logo.svg\",\"width\":136,\"height\":42,\"caption\":\"Architects' Council of Europe\"},\"image\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/ArchitectsEU\",\"https:\\\/\\\/x.com\\\/Ace_Cae\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/architects-council-of-europe-ace-\",\"https:\\\/\\\/www.instagram.com\\\/ace.archi.eu\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@architectscouncilofeurope-8375\"],\"description\":\"The Architects\u2019 Council of Europe (ACE) is the representative organisation for the architecture at European level. 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