| Category | Details |
|---|---|
| Member Organisation(s) | CKA Czech Chamber of Architects |
| Obligation to Insure | Yes (Every authorized architect is covered for damages up to 200.000,-CZK. Higher coverage is individual.) |
| Legal Obligation to Insure | Yes, (Act Number 360/1992 of 7 may 1992) |
| Legal Basis | Commonly used Term and Conditions: The Building Act (Act No. 183/2006 Coll) |
| Requirements to Obtain Insurance | There is no special requirement needed to obtain an Insurance, but authorized architect needs to have a valid authorization. |
| Calculation of Insurance Premium | Rate applied to fees Based on fixed price |
| Liability System / Liability Periods | Contractual liability: – Liabilities before and/or during the works: Yes, responsible for the program and for any defects But not responsible in respect of the budget – The end of the construction phase as a point of departure for a period of specific liabilities? There is 2 years period for claiming of defects. Both sides can arrange this period longer than 2 years. Liabilities after work: Liability without restriction during the period but the prescribed timetable for a claim of liability is 10 years since occurrence of damage (according to Civil Code – Act. No. 89/2012 Coll) |
| Forms of Insurance Contract | – Subscription contract for all liabilities in a predefined period – Cover for architect in a specific project – Cover for the all professionals in a project |
| Joint and Several Liability | Joint and several liability in case of association originated following by law, unless proven otherwise. |
| Insurer Response to Claims | Claims made basis. |
| Agents | ČSOB Pojišťovna, a.s. / MARSH s.r.o. |
| Duration of Liability | – Professional client: 10 years since occurrence of damage – Consumer client: 10 years since occurrence of damage – Liability during and after construction: 10 years since occurrence of damage |
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