| Catégorie | Détails |
|---|---|
| Organisation(s) membre(s): Conférence Suisse des Architectes (CSA) Obligation d'assurer? No, civil professional liability insurance may cover personal injury and material damage as well as damage to structures. Obligation légale d'assurer? There is no legal obligation for architects to take out business liability insurance. | |
| Base juridique 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: ‒ Personal injury and material damage ‒ Structural damage (defect or material damage owed to planning or construction management errors) ‒ Purely pecuniary losses. What are the requirements needed in order to obtain an Insurance? It depends on the insurer’s requirements. Specialist training or corresponding professional experience is required. Calcul de la prime d'assurance: 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. | Responsabilité contractuelle: ‒ Liabilities before and/or during the works: In general yes. ‒ Is the end of the construction phase as a point of départ pour une période de passifs spécifiques? Depends on context and the size of the architectural contract. See SIA 118 (2013) and SIA 102 (2014). Passifs après travaux: Dommage à la structure (à sa solidité ou stabilité): Oui Inadapté à la fonction: It depends Défauts cachés: It depends |
| Formes de contrat d'assurance: 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: ‒ Conventional office policy ‒ Various types of project-specific insurance contracts (ARGE (consortium) or GP (overall designer/planner) insurance, etc.). | Responsabilité solidaire (in solidum): 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 |
| Assurances / Agents: It is a free market, although very strongly regulated. | Durée de la responsabilité: Client professionnel: 5 years, see Art. 371 par. 2, Code of Obligations Client consommateur: Same as professional client Responsabilité pendant et après la construction: Basically 5 years, see professional client. |
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