| Categoria | Dettagli |
|---|---|
| Organizzazione(i) membro(i) | Suomen Arkkitehtiliitto Finnish Association of Architects SAFA |
| Obbligo di assicurazione | No, but often required by the client |
| Obbligo giuridico di assicurazione | No |
| Base giuridica | Termini e condizioni comunemente usati: 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. |
| Requisiti per ottenere l'assicurazione | No special requirements |
| Calcolo del premio assicurativo | Differs, but could be for example turnover based + claims history etc. |
| Sistema di responsabilità / Periodi di responsabilità | Responsabilità contrattuale: – 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. – La fine della fase di costruzione come punto di 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) |
| Forme di contratto di assicurazione | – Subscription contract for all liabilities in a predefined period – Possible also to have an insurance for one defined project |
| Responsabilità in solido | No, every party in the project is liable (only) for their own work. |
| Risposta dell'assicuratore ai sinistri | Mostly ‘’Claims Made’’. However in some cases the last years, ‘’Claims Arising’’. Depends on the insurance contract. |
| Agenti | 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 |
| Durata della responsabilità | 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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