| Category | Details |
|---|---|
| Member Organisation(s) | AA Arkitektforeningen Danish Association of Architects DANSKE ARK Danish Association of Architectural Firms |
| Obligation to Insure | Yes (normally no contract awarded without) |
| Legal Obligation to Insure | Yes (By using Agreed Documents, which are used for almost all projects) |
| Legal Basis | Commonly used Term and Conditions: Danish Law, but also ABR18, ABR 18F, ABR 89 GBF19 (Different versions of Agreed Documents for different sorts of Consulting services) which reduces liabilities compared with Danish law |
| Requirements to Obtain Insurance | Normally just education as an architect (title not protected) Members of DANSKE ARK has easier acces due to general agreement with insurance company HDI |
| Calculation of Insurance Premium | Percentage of fee, varying according to type of work. Always a minimum premium. Single project insurance has fixed premiums |
| Liability System / Liability Periods | Contractual liability: – Liabilities before and/or during the works: yes, Responsible for any defects partly responsible in relation to the budget and in relation to time limits – The end of the construction phase as a point of departure for a period of specific liabilities? Yes, verbal acceptance of the works – Liabilities after work Harm to the structure (to its soundness or stability): Only if the architect is total consultant, having the engineer as subconsultant. Unsuitability for the function: Yes Hidden defects: Yes |
| Forms of Insurance Contract | – Subscription contract for all work in a predefined period, not covered by single project insurance – Single project insurance |
| Joint and Several Liability | Only liable for own and subconsultants work including supervision |
| Insurer Response to Claims | Claims made |
| Agents | HDI Marsh ( Agent/broker, makes tender for single project insurance between HDI and other companies) Other companies may also offer, but they mostly have limited market experience and less specialized staff |
| Duration of Liability | – Professional client: 5 years after handover – Consumer client: 10 years after handover Liability during and after construction: – Professional client: 5 years after handover – Consumer client: 10 years after handover |
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