{"id":1509,"date":"2024-12-19T15:19:10","date_gmt":"2024-12-19T14:19:10","guid":{"rendered":"https:\/\/ace-cae.eu\/?post_type=ace-insurance&p=1509"},"modified":"2024-12-19T15:41:25","modified_gmt":"2024-12-19T14:41:25","slug":"finland","status":"publish","type":"ace-insurance","link":"https:\/\/ace-cae.eu\/fr\/insurance\/finland\/","title":{"rendered":"Finland"},"content":{"rendered":"\n
Category<\/th>Details<\/th><\/tr><\/thead>
Member Organisation(s)<\/td>Suomen Arkkitehtiliitto
Finnish Association of Architects SAFA<\/td><\/tr>
Obligation to Insure<\/td>No, but often required by the client<\/td><\/tr>
Legal Obligation to Insure<\/td>No<\/td><\/tr>
Legal Basis<\/td>Commonly used Term and Conditions:
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.<\/td><\/tr>
Requirements to Obtain Insurance<\/td>No special requirements<\/td><\/tr>
Calculation of Insurance Premium<\/td>Differs, but could be for example turnover based + claims history etc.<\/td><\/tr>
Liability System \/ Liability Periods<\/td>Contractual liability:
– Liabilities before and\/or during the works:
Responsible for defects in architect\u00b4s own scope of service. Not responsible in respect of the budget, for the program.
– The end of the construction phase as a point of
departure for a period of specific liabilities?
Liability ceases within two (2) years from the
delivery of the object planned during the
assignment (KSE 2013)

Liabilities after work:
– 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\u201d (KSE 2013)<\/td><\/tr>
Forms of Insurance Contract<\/td>– Subscription contract for all liabilities in a
predefined period
– Possible also to have an insurance for one defined project<\/td><\/tr>
Joint and Several Liability<\/td>No, every party in the project is liable (only) for their own work.<\/td><\/tr>
Insurer Response to Claims<\/td>Mostly \u2018\u2019Claims Made\u2019\u2019. However in some cases the last years, \u2018\u2019Claims Arising\u2019\u2019. Depends on the insurance contract.<\/td><\/tr>
Agents<\/td>For example:
AIG www.aig.fi
IF www.if..fi
Howden www.howdenfinland.fi\/
Fennia www.fennia.fi
Pohjola www.pohjola.fi
L\u00e4hitapiola www.lahitapiola.fi<\/td><\/tr>
Duration of Liability<\/td>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\u201d (KSE 2013)<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

Category Details Member Organisation(s) Suomen ArkkitehtiliittoFinnish Association of Architects SAFA Obligation to Insure No, but<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"inline_featured_image":false},"class_list":["post-1509","ace-insurance","type-ace-insurance","status-publish","hentry"],"yoast_head":"\nFinland - 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\/fr\/insurance\/finland\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finland\" \/>\n<meta property=\"og:description\" content=\"Category Details Member Organisation(s) Suomen ArkkitehtiliittoFinnish Association of Architects SAFA Obligation to Insure No, but\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ace-cae.eu\/fr\/insurance\/finland\/\" \/>\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=\"2024-12-19T14:41:25+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=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/finland\\\/\",\"url\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/finland\\\/\",\"name\":\"Finland - Architects' Council of Europe\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/#website\"},\"datePublished\":\"2024-12-19T14:19:10+00:00\",\"dateModified\":\"2024-12-19T14:41:25+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/finland\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/finland\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ace-cae.eu\\\/insurance\\\/finland\\\/#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\":\"Finland\"}]},{\"@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\":\"fr-FR\"},{\"@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\":\"fr-FR\",\"@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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