The civil liability of the civil engineers and architects

Applicability

This type of insurance may be concluded by:
  - any natural person authorised to exert with right of signature professions such as:   architect, civil engineer, technical expert, planner, designer, irrestrictively in one of the following forms:  independent authorised person, employee of a commercial company or associate in a company with the object of activity in the Architecture – Town Planning field. 
  - any legal person conducting an activity in the Design and Architecture fields, in the name of and for the benefice of their employees, employed in the above-mentioned professions as well as any professional union or association for their members. 

Covered risks

The insurance covers the material damage suffered by the insured for the coverage of the prejudice caused to their clients, with whom a valid contract has been concluded, by professional fault.

     

Compensation

Should one of the insured risks occur, the sums which the insured is bound to pay as compensation for:

- the prejudice caused by the failure to comply with the obligations regarding the tasks specific to the field or activity: execution, approval, supervision and coordination of architecture and town –planning projects, assistance and consultancy, drafting of technical specifications, technical instructions regarding the execution, exploitation, maintenance and repairing, surveillance of the building behaviour in time, assistance to the execution stage, checking of the performance quality, solutions for the treatment of flaws.

- restoration, reconstruction or replacement of the original documents, regardless of the support and means of drafting thereof, taken over form the clients in order to be used for the accomplishment of the works ordered (books, maps, drawings, documents issued by the Public Authorities, approvals, notices, and any kind of documents, except bearer bonds, bills, securities and negotiable instruments), if lost, destroyed or damaged by the insured’s fault.  

 

- the expenses incurred by the Insured in a civil law suit (legal fees needed for the good conduction of justice and approved by the Court of Law ), if bound to compensation.

- the legal fees incurred by the injured for the accomplishment of the legal formalities in the view of binding the insured to pay compensation, if the insured has been bound by legal decision to pay such compensation. 

Compensation beneficiaries

The compensation may be paid either to the insured, or directly to the injured, with the previous written approval of the insured, to the extent that the insured has not been already compensated by the insured.