| Category | Details |
|---|---|
| Member Organisation(s) | CNOA Conseil National de l’Ordre des Architectes SA Syndicat d’Architecture UNSFA Union National des Syndicats Français d’Architectes |
| Obligation to Insure | Yes |
| Legal Obligation to Insure | Yes |
| Legal Basis | Commonly used Term and Conditions: Article 16 Loi 03 janvier 1977 |
| Requirements to Obtain Insurance | To be registered as a member of the Order of Architects |
| Calculation of Insurance Premium | Rate applied to fees Rate on the value of construction works |
| Liability System / Liability Periods | Contractual liability: – Liabilities before and/or during the works: – The end of the construction phase as a point of departure for a period of specific liabilities? Yes, acceptance of the works can be written, tacit or judicial. Liabilities after work: Harm to structure (to its soundness or stability): Yes, I0 years Unsuitability for the function: Yes Hidden defects: Yes, I0 years Guarantee for non-dissociable facilities: Yes, 2 years |
| Forms of Insurance Contract | Subscription contract for all liabilities in a predefined period Cover for architect in a specific project |
| Joint and Several Liability | Yes, a derogation is possible by contract as French case law allows |
| Insurer Response to Claims | Non decennial liability claims rising basis Decennial liability claims made basis |
| Agents | Mostly MAF Assurances (A mutual insurance owned by the French architects) and other brokers such as : Acte IARD, AGF, Allianz, AXA, CAM BTP, COVEA, GENERALI, GROUPAMA, Lloyds, Montmirail, MMA, SMA BTP, … |
| Duration of Liability | Professional client: 10 years Consumer client: I0 years Liability during and after construction: l0 years |
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