{"id":1497,"date":"2024-12-19T14:56:29","date_gmt":"2024-12-19T13:56:29","guid":{"rendered":"https:\/\/staging.ace-cae.eu\/?post_type=ace-insurance&p=1497"},"modified":"2024-12-19T14:56:31","modified_gmt":"2024-12-19T13:56:31","slug":"united-kingdom","status":"publish","type":"ace-insurance","link":"https:\/\/staging.ace-cae.eu\/it\/insurance\/united-kingdom\/","title":{"rendered":"United Kingdom"},"content":{"rendered":"\n
Category<\/th>Details<\/th><\/tr><\/thead>
Member organisation(s):
ARB
Architect’s Registration Board
RIBA
Royal Institute of British Architects
Obligation to insure?
Yes
Legal Obligation to insure?
No<\/td>		<\/td><\/tr>
Commonly used Term and Conditions:
Architects Registration Act 1997
What are the requirements needed in order to obtain an
Insurance? eg. Architect needs practical experience of at
least 2 years.
Calculation of insurance premium:
Based on fee turnover,
Construction costs,
Claims history,
Type of work undertaken<\/td>		Contractual liability:
Liabilities before and\/or during the works: Yes
In relation to his or her professional services.
The end of the construction phase as a point of departure
for a period of specific liabilities? No
Later discovery of defects may prolong the possible claim
period.
Liabilities after work:
Harm to the structure (to its soundness or stability): Yes
Unsuitability for the function: Yes
..
Hidden defects: Yes<\/td><\/tr>
Forms of Insurance contract:
Subscription contract for all liabilities in a
predefined period
Cover for architect in a specific project
Cover for the all professionals in a project<\/td>		Joint and several (in solidum) liability:
Yes, Derogation by contract is possible
Does the insurer respond to a claims made or claims
rising basis?
Claims made<\/td><\/tr>
Insurances \/ Agents:
Insurance brokers : List here
Insurerers : The insurance market generally, eg. APIA,
Towergate insurance, Markel direct<\/td>		Duration of Liability:
Professional client:
Variable
Consumer client:
Variable
Liability during and after construction:
Variable \u2013 depends on date of discovery of any
defect.<\/td><\/tr>
Requirements to Obtain Insurance<\/td>Authorization for the scope of services provided (registration)<\/td><\/tr>
Calculation of Insurance Premium<\/td>Depends on contract: yearly net income, deductible, period of post-coverage, geographical scope, etc.<\/td><\/tr>
Liability System \/ Liability Periods<\/td>Warranty (negligence\/fault not required):<\/strong> 3 years starting from “handover” of all architectural services.
Compensation for damages (negligence\/fault required):<\/strong> 3 years from knowledge of damage and damaging party; 30 years in case of non-knowledge.<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

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