| Category | Details |
|---|---|
| Member Organisation(s) | BAK- Architects’ Delegation Germany – Bundesarchitektenkammer BDA- Architects’ Delegation Germany-Bund Deutscher Architekten BDB- Architects’ Delegation Germany-Bund Deutscher Baumeister Architekten und Ingenieure BDB VfA- Architects’ Delegation Germany-Vereinigung freischaffender Architekten |
| Obligation to Insure | Yes |
| Legal Obligation to Insure | Depends on type of activity and state, but predominantly yes. |
| Legal Basis | Commonly used Term and Conditions: German civil law. |
| Requirements to Obtain Insurance | Registration at Chamber of Architects. |
| Calculation of Insurance Premium | Based on yearly net income from insured activity, estimates provided by policy holder. |
| Liability System / Liability Periods | Contractual liability: – Liabilities before and/or during the works: Possible error in consulting/adisory before the works. Liability during the works for violations of contractual an legal obligations. The end of the construction phase as a point of departure for a period of specific liabilities? The end of the construction and the acceptance can be relevant for the limitation period (begin of limitation). Liabilities after work: Harm to the structure (to its soundness or stability): Yes Unsuitability for the function: Yes |
| Forms of Insurance Contract | Yearly contracts, single contracts for individual objects, extended insurance for building contractors (developer). |
| Joint and Several Liability | Joint liability with concerned construction companies, with other planners / or experts, also with the client (for example if a constrcution worker has an accident on site). |
| Insurer Response to Claims | Claims are handled on a “claims by occurence” basis. |
| Agents | AIA AG/EUROMAF (subsidiaries of MAF/France) VHV HDI R & V |
| Duration of Liability | Professional client: Generally 5 years. Consumer client: Generally 5 years. Liability during and after construction: Generally 5 years. |
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