| Categoria | Dettagli |
|---|---|
| Organizzazione(i) membro(i) | CNOA – Conseil National de l’Ordre des Architectes Various private associations representing architects (UWA, NAV, ARIB,…) |
| Obbligo di assicurazione | Sì |
| Obbligo giuridico di assicurazione | Sì |
| Base giuridica | Termini e condizioni comunemente usati: Art. 2,§4 Law of February 20th 1939 on the protection of the title and on the profession of architect; Law of 31 May 2017 on compulsory ten-year civil liability insurance in the construction sector Law of 9 May 2019 on compulsory professional civil liability insurance in the construction sector |
| Requisiti per ottenere l'assicurazione | To be authorized to practice as an architect (registration in the order of architects is mandatory) Other than that each insurance company decides its own requirements to obtain an insurance |
| Calcolo del premio assicurativo | – Rate applied to fees or – Rate on the value of construction works – The architect’s claims record is also taken into consideration |
| Sistema di responsabilità / Periodi di responsabilità | – Liabilities before and/or during the works: During the works – La fine della fase di costruzione come punto di departure for a period of specific liabilities? Yes. The legal guarantee takes effect from the date of acceptance of the work by the client (which may be express or tacit) Liabilities after work: Harm to structure (to its soundness or stability): Yes, I0 years Unsuitability for the function: Sì Hidden defects: Yes, I0 years (but often contractually reduced to 3 years) |
| Forme di contratto di assicurazione | 10 years (counted from acceptance) + noncontractual liability of 20 years. A civil liability insurance is compulsory (imposed by the law and the Code of Conduct) |
| Responsabilità in solido | Yes, a derogation is possible by contract for hidden defects only |
| Risposta dell'assicuratore ai sinistri | The insurance cover relates to claims for compensation made in writing against the insured or the insurance company during the term of the insurance contract on the basis of a liability covered in this contract and which have relates to damage occurring during the same period. The guarantee extends to requests for repairs made within 10 years from the day on which registration in the Order of Architects is terminated. |
| Agenti | Protect Ar-co Euromaf Hdi-Gerling Ethias Allianz |
| Durata della responsabilità | – Cliente professionale: 10 years – Cliente consumatore: 10 years – Liability during and after construction: 10 years |
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