Some things will change for architects from 1 July 2018 with regard to the obligation to insure professional liability. Since the 2007 Laruelle Act you have been legally required to take out an insurance against full professional liability. This Laruelle Act will be replaced by two new regulations. The Peeters Act (Belgian Official Gazette, 9 June 2017) and the Ducarme Act, which is still in the pipeline.
Your liability
Sooner or later, all designers find out that a liability insurance is essential to perform, even though it is not legally required. Regulations become more complex each and every time, whereas project owners are more demanding and empowered. Each year, one out of 5 designers are involved in a claim, and financial fallout can sometimes be overwhelming.
Protect is specialized in liability policies for liberal and intellectual professions. We insure more than 6.500 architects and design offices, expert surveyors, safety coordinators, landscape architects, interior designers, energy experts, environmental experts ...
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Professional liability
As an architect, you are ethically and legally required to take out a professional liability...
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Mandatory ten-year liability
For houses (family homes and apartments) for which the building permit is issued after 01/07/2018, not only...
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Starter package for young architects
Trainees and self-employed employees who also have their own projects in progress must also take...
Your construction sites
Looking for a tailor made insurance policy with adaptative guarantees that suit your project and your form of collaboration ? Protect is specialized in technical insurances for the construction sector.
All the coverages and guarantees you would need are standard with the Construction All Risk insurance. Whereas the comprehensive ten-year liability insurance already complies with the new legislative framework. In addition, Protect is also offering two unique incurance policies : a ten-year liability insurance for construction sites located in France and a warranty insurance for facade renovation.
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All Construction Site Risk insurance
We don't have to tell you how complex and risky construction can be: you are confronted with...
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Comprehensive ten-year liability insurance
The contractor, engineer and architect have a 10-year liability pursuant to articles 1792 and 2270 of...
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Warranty insurance - Renovation of facades
A contractor is expected, thanks to high-quality products and good craftsmanship, to complete the...
Your income
Need a better protection that covers more than malpractice ? Protect has designed insurance policies that specifically meet those needs. The A24+ policy guarantees an income compensation in case of accident. This insurance can be taken individually or collectively by an architectural office.
The legal assistance insurance policy, on the other hand, can be taken is addition to the a24+. A rapidly increasing team can often lead to legal issues that are not related to a malpractice. As an independent professional, you need to rely on a professional assistance in legal matters.
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Legal assistance
Suppose you are criminally prosecuted and need defence, you think you were not properly...
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Individual policy accident A24+
As a self-employed person, you only receives a very low benefit in case of incapacity for work....
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Collective policy accident A24+
Frequent trips and site visits always present a risk of accidents. Are your self-employed...