{"id":1521,"date":"2024-12-19T15:28:45","date_gmt":"2024-12-19T14:28:45","guid":{"rendered":"https:\/\/staging.ace-cae.eu\/?post_type=ace-insurance&p=1521"},"modified":"2024-12-19T15:40:08","modified_gmt":"2024-12-19T14:40:08","slug":"germany","status":"publish","type":"ace-insurance","link":"https:\/\/staging.ace-cae.eu\/de\/insurance\/germany\/","title":{"rendered":"Germany"},"content":{"rendered":"\n
Category<\/th>Details<\/th><\/tr><\/thead>
Member Organisation(s)<\/td>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<\/td><\/tr>
Obligation to Insure<\/td>Yes<\/td><\/tr>
Legal Obligation to Insure<\/td>Depends on type of activity and state, but predominantly yes.<\/td><\/tr>
Legal Basis<\/td>Commonly used Term and Conditions:
German civil law.<\/td><\/tr>
Requirements to Obtain Insurance<\/td>Registration at Chamber of Architects.<\/td><\/tr>
Calculation of Insurance Premium<\/td>Based on yearly net income from insured activity, estimates provided by policy holder.<\/td><\/tr>
Liability System \/ Liability Periods<\/td>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<\/td><\/tr>
Forms of Insurance Contract<\/td>Yearly contracts, single contracts for individual objects, extended insurance for building contractors (developer).<\/td><\/tr>
Joint and Several Liability<\/td>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).<\/td><\/tr>
Insurer Response to Claims<\/td>Claims are handled on a \u201cclaims by occurence\u201d basis.<\/td><\/tr>
Agents<\/td>AIA AG\/EUROMAF (subsidiaries of MAF\/France)
VHV
HDI
R & V<\/td><\/tr>
Duration of Liability<\/td>Professional client:
Generally 5 years.

Consumer client:
Generally 5 years.

Liability during and after
construction: Generally 5 years.<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

Category Details Member Organisation(s) BAK- Architects’ Delegation Germany –BundesarchitektenkammerBDA- Architects’ Delegation Germany-Bund Deutscher ArchitektenBDB- Architects’<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"inline_featured_image":false},"class_list":["post-1521","ace-insurance","type-ace-insurance","status-publish","hentry"],"yoast_head":"\nGermany - Architects' Council of Europe<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Germany - Architects' Council of Europe\" \/>\n<meta property=\"og:description\" content=\"Category Details Member Organisation(s) BAK- Architects’ Delegation Germany –BundesarchitektenkammerBDA- Architects’ Delegation Germany-Bund Deutscher ArchitektenBDB- Architects’\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging.ace-cae.eu\/de\/insurance\/germany\/\" \/>\n<meta property=\"og:site_name\" content=\"Architects' Council of Europe\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-19T14:40:08+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/staging.ace-cae.eu\/insurance\/germany\/\",\"url\":\"https:\/\/staging.ace-cae.eu\/insurance\/germany\/\",\"name\":\"Germany - 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