| Category | Details |
|---|---|
| Member Organisation(s) | Chamber of Architects in Bulgaria (CAB) Union of Architects in Bulgaria (UAB) |
| Obligation to Insure | Depends on types of architectural, urban-planning, conservation and design activities performed |
| Legal Obligation to Insure | Yes, for every registered architect, performing activities under the Law on Development of Territory |
| Legal Basis | Commonly used Term and Conditions: Law on Development of Territory Ordinance on Terms and Conditions for Compulsory Insurance in Planning and Construction |
| Requirements to Obtain Insurance | No special requirements; practically registered architects are being insured |
| Calculation of Insurance Premium | Based on category of construction/building to be designed (Categories are defined in the Law on Development of Territory and an Ordinance) |
| Liability System / Liability Periods | Contractual liability: – Liabilities before and/or during the works: During works – for violation of planning regulations – The end of the construction phase as a point of departure for a period of specific liabilities? The registration of the end of the construction phase by the authorities takes responsibility from the architect Liabilities after work: – Harm to the structure (to its soundness or stability): No responsibility (only for construction engineers) – Unsuitability for the function: No – Hidden defects: Yes, irrespective of registration of the end of the construction phase |
| Forms of Insurance Contract | One-year policy |
| Joint and Several Liability | No |
| Insurer Response to Claims | Does the insurer respond to a claims made or claims rising basis? Both |
| Agents | Different; usually all the insurance companies acting in Bulgaria offer professional insurances |
| Duration of Liability | – Professional client: One year + five years of retroactive liability – Consumer client: One year + five years of retroactive liability – Liability during and after construction: Five years of retroactive liability for specific (hidden) defects, and for delivered but not implemented projetcs |
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