| Category | Details |
|---|---|
| Member Organisation(s) | Suomen Arkkitehtiliitto Finnish Association of Architects SAFA |
| Obligation to Insure | No, but often required by the client |
| Legal Obligation to Insure | No |
| Legal Basis | 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. |
| Requirements to Obtain Insurance | No special requirements |
| Calculation of Insurance Premium | Differs, but could be for example turnover based + claims history etc. |
| Liability System / Liability Periods | Contractual liability: – Liabilities before and/or during the works: Responsible for defects in architect´s 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” (KSE 2013) |
| Forms of Insurance Contract | – Subscription contract for all liabilities in a predefined period – Possible also to have an insurance for one defined project |
| Joint and Several Liability | No, every party in the project is liable (only) for their own work. |
| Insurer Response to Claims | Mostly ‘’Claims Made’’. However in some cases the last years, ‘’Claims Arising’’. Depends on the insurance contract. |
| Agents | For example: AIG www.aig.fi IF www.if..fi Howden www.howdenfinland.fi/ Fennia www.fennia.fi Pohjola www.pohjola.fi Lähitapiola www.lahitapiola.fi |
| Duration of Liability | 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” (KSE 2013) |
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