{"id":1498,"date":"2024-12-19T14:58:14","date_gmt":"2024-12-19T13:58:14","guid":{"rendered":"https:\/\/ace-cae.eu\/?post_type=ace-insurance&p=1498"},"modified":"2024-12-19T15:44:42","modified_gmt":"2024-12-19T14:44:42","slug":"belgium","status":"publish","type":"ace-insurance","link":"https:\/\/ace-cae.eu\/fi\/insurance\/belgium\/","title":{"rendered":"Belgium"},"content":{"rendered":"\n
Category<\/th>Details<\/th><\/tr><\/thead>
Member Organisation(s)<\/td>CNOA – Conseil National de l\u2019Ordre des Architectes Various private associations representing architects (UWA, NAV, ARIB,\u2026)<\/td><\/tr>
Obligation to Insure<\/td>Yes<\/td><\/tr>
Legal Obligation to Insure<\/td>Yes<\/td><\/tr>
Legal Basis<\/td>Commonly used Term and Conditions:
Art. 2,\u00a74 Law of February 20th 1939 on the
protection of the title and on the profession of
architect;
Law of 31 May 2017 on compulsory ten-year civil
liability insurance in the construction sector
Law of 9 May 2019 on compulsory professional
civil liability insurance in the construction sector<\/td><\/tr>
Requirements to Obtain Insurance<\/td>To be authorized to practice as an architect
(registration in the order of architects is
mandatory)
Other than that each insurance company decides
its own requirements to obtain an insurance<\/td><\/tr>
Calculation of Insurance Premium<\/td>– Rate applied to fees
or
– Rate on the value of construction works
– The architect’s claims record is also taken into
consideration<\/td><\/tr>
Liability System \/ Liability Periods<\/td>– Liabilities before and\/or during the works:

During the works

– The end of the construction phase as a point of
departure for a period of specific liabilities?

Yes. The legal guarantee takes effect from the
date of acceptance of the work by the client
(which may be express or tacit)

Liabilities after work:
Harm to structure (to its soundness or stability):
Yes, I0 years
Unsuitability for the function:
Yes
Hidden defects:
Yes, I0 years (but often contractually reduced to
3 years)<\/td><\/tr>
Forms of Insurance Contract<\/td>10 years (counted from acceptance) + noncontractual liability of 20 years.
A civil liability insurance is compulsory (imposed
by the law and the Code of Conduct)<\/td><\/tr>
Joint and Several Liability<\/td>Yes, a derogation is possible by contract for
hidden defects only<\/td><\/tr>
Insurer Response to Claims<\/td>The insurance cover relates to claims for
compensation made in writing against the
insured or the insurance company during the
term of the insurance contract on the basis of a
liability covered in this contract and which have
relates to damage occurring during the same
period. The guarantee extends to requests for
repairs made within 10 years from the day on
which registration in the Order of Architects is
terminated.<\/td><\/tr>
Agents<\/td>Protect
Ar-co
Euromaf
Hdi-Gerling
Ethias
Allianz<\/td><\/tr>
Duration of Liability<\/td>– Professional client:
10 years
– Consumer client:
10 years
– Liability during and after construction:
10 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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

Category Details Member Organisation(s) CNOA – Conseil National de l\u2019Ordre des Architectes Various private associations<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"inline_featured_image":false},"class_list":["post-1498","ace-insurance","type-ace-insurance","status-publish","hentry"],"yoast_head":"\nBelgium - 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\/fi\/insurance\/belgium\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Belgium\" \/>\n<meta property=\"og:description\" content=\"Category Details Member Organisation(s) CNOA – Conseil National de l\u2019Ordre des Architectes Various private associations\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ace-cae.eu\/fi\/insurance\/belgium\/\" \/>\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=\"2024-12-19T14:44:42+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=\"Arvioitu lukuaika\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minuuttia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/belgium\\\/\",\"url\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/belgium\\\/\",\"name\":\"Belgium - Architects' Council of Europe\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#website\"},\"datePublished\":\"2024-12-19T13:58:14+00:00\",\"dateModified\":\"2024-12-19T14:44:42+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/belgium\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/belgium\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/belgium\\\/#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\":\"Belgium\"}]},{\"@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\":\"fi\"},{\"@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\":\"fi\",\"@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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