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Provinzial für planende technische Berufe: the policy wording in full
Betriebs- und Berufshaftpflicht ProFirm flexibel der Provinzial für planende, beratende und begutachtende technische Berufe laut Leistungsbeschreibung (RBE Freie technische Berufe 8.2019): Verstoßdeckung mit einem Jahr Rückwärtsversicherung, fünf Jahren Nachmeldefrist, Schäden am Bauwerk und zweifacher Jahreshöchstleistung.
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Provinzial für planende technische
Berufe.
Basics and sums insured
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury per claim | not addressed | ||
| Sum insured for other loss (property damage and financial loss) per claim | not addressed | ||
| Annual aggregate limit (multiple of the sum insured per insurance year) | yes | „sind die Höchstersatzleistungen für alle Versicherungsfälle eines Versicherungsjahres …“ | Fußnote Seite 1, page 1 |
| Meets the mandatory minimum sums (state architects and engineers acts, in Austria the Ziviltechnikergesetz, in Spain the rules of the professional colleges) | not addressed | ||
| Trigger by act committed (covered=false: claims made) | yes | „als Folgen von Verstößen bei der Ausübung der beruflichen Tätigkeit als Architekt / …“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Single project policy for one building project alongside or instead of the annual policy | not addressed | ||
| Project specific increase of the sum insured (excess layer for single projects) | not addressed | ||
| Defence costs (lawyers, courts, experts) in addition to the sum insured | not addressed | ||
| Territorial scope: building projects abroad (Europe, worldwide) | yes | „in Ländern der EU, in der Schweiz, in Lichtenstein, in Norwegen oder in Island …“ | Auslandsschäden, page 2 |
| Serial claims clause (several losses from the same cause count as one claim) | not addressed |
Insured activities and professional profile
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Open cover for the whole professional profile (no exhaustive list of activities) | not addressed | ||
| All service phases from basic evaluation to post completion services (HOAI 1 to 9, in Spain design and site management) | not addressed | ||
| Site supervision and construction management (in Austria local site supervision, in Spain dirección de obra and dirección de ejecución) | not addressed | ||
| Work as general planner including liability for appointed specialist planners | not addressed | ||
| Joint ventures and planning consortia: cover for the own share or for full liability | yes | „Teilnahme an Arbeitsgemeinschaften und Planungsringen“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Project control and project management | yes | „Ausübung der Tätigkeit als Projektsteuerer/ Projektcontroller für die Erstellung von …“ | Berufs-Haftpflichtversicherung für Projektsteuerer, page 1 |
| Health and safety coordination on site (in Austria coordinator under BauKG, in Spain coordinador de seguridad y salud) | yes | „Tätigkeit als Koordinator i.S.d. Baustellenverordnung“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Work as expert and appraiser (including court appointed) | not addressed | ||
| Energy consulting, energy performance certificates and evidence for subsidies | not addressed | ||
| Work with Building Information Modeling (BIM), also as BIM manager or BIM coordinator | not addressed | ||
| Fire protection design, structural design and work as authorised verifier or checking engineer | not addressed | ||
| Inadvertence clause: cover also for activities not reported by mistake or outside the professional profile | not addressed |
Insured losses and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pure financial loss without prior bodily injury or property damage | yes | „Gesetzliche Haftpflicht für Personen- und sonstige Schäden (Sach- und Vermögensschäden)“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Damage to the designed or supervised building itself (defects of the works as a result of the design error) | yes | „Versicherungsschutz für Schäden am Bauwerk“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Overrun of cost estimates, cost calculations and cost quotations | not addressed | ||
| Overrun of construction periods, deadlines and dates | not addressed | ||
| Errors in quantity take off, tendering and awarding | not addressed | ||
| Loss of drawings, files and data media | not addressed | ||
| Breach of data protection and personality rights | yes | „Verletzung von Datenschutzgesetzen“ | Gemeinsame Bestimmungen, page 2 |
| Infringement of copyright and usage rights (drawings, designs, software) | not addressed | ||
| Environmental damage and environmental liability arising from design and supervision | yes | „Umwelthaftpflicht-Basisversicherung mit „kleinem Anlagenrisiko““ | Umweltbasisversicherung, page 2 |
| Loss caused by asbestos and other pollutants in existing buildings | not addressed | ||
| Office and public liability (visitors, office operations, site visits) | yes | „Mitversicherte Betriebsrisiken, u.a. die gesetzliche Haftpflicht“ | Gemeinsame Bestimmungen, page 1 |
| Personal liability of employees and freelancers included | not addressed | ||
| Liability for appointed sub consultants and vicarious agents | yes | „aus der Beauftragung von Subunternehmern (Auswahlverschulden)“ | Gemeinsame Bestimmungen, page 1 |
| Defence of damages claims set off against the fee claim (fee clause, fee legal protection) | yes | „Aktive Werklohnklage ab einer Summe von 1.000 Euro einbehaltenem Werklohn“ | Gemeinsame Bestimmungen, page 2 |
| Own loss: costs of own rectification and redesign | not addressed | ||
| Costs of criminal defence in criminal and administrative offence proceedings | not addressed |
Cover in time
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Retroactive cover for breaches before inception | yes | „Rückwärtsversicherung von einem Jahr bei erstmaligem Abschluss einer …“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Extended reporting period after the end of the contract (duration in years) | yes | „Nachmeldefrist von fünf Jahren für Verstöße während der Vertragslaufzeit“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Unlimited extended reporting for breaches during the policy period | no | „Nachmeldefrist von fünf Jahren für Verstöße während der Vertragslaufzeit“ | Berufs-Haftpflichtversicherung für Architekten und Ingenieure, page 1 |
| Run off on cessation of practice, retirement or death, also for heirs | not addressed | ||
| Provisional payment if previous and new insurer dispute who is responsible | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion for knowing breach of duty or deliberate deviation from law, rule or instruction | not addressed | ||
| Exclusion where the insured or an affiliated company acts as client, developer, general contractor or supplier | not addressed | ||
| Exclusion for carrying out construction work and supplying building materials (design and build) | not addressed | ||
| Exclusion for claims by relatives, partners and affiliated companies | not addressed | ||
| Exclusion for guarantees, contractual penalties and undertakings beyond statutory liability (cost and deadline guarantee) | not addressed | ||
| Exclusion for claims for performance and repayment of own fees | not addressed | ||
| Exclusion for projects and claims in the USA and Canada | not addressed | ||
| Exclusion for activities without the required authorisation or chamber registration | not addressed |
Policy duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Period for notifying a claim | not addressed | ||
| Precautionary notification of circumstances that may lead to a claim | not addressed | ||
| Acknowledgement or settlement without the insurer's consent without losing cover | not addressed | ||
| Waiver of reduction of benefits for grossly negligent breach of duties | not addressed | ||
| Duty to report fee turnover or construction sums every year | not addressed | ||
| Duty to notify new activities, large projects or increase of risk | not addressed |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Premium based on fee turnover (covered=false: on construction sum or per project) | not addressed | ||
| Certificate of insurance for chamber, client and public contracting authorities | not addressed | ||
| Minimum term and notice period | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Guarantee of no worse or best cover compared with the previous contract or market standard | not addressed | ||
| Future improvements of the terms apply automatically (innovation clause) | not addressed |
Special features Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover for the full liability periods of the LOE (one, three and ten years) even after ceasing practice | not addressed | ||
| Additional premium per commission or visado (prima complementaria por obra) | not addressed | ||
| Members of a mutual liable for additional contributions (derrama pasiva) | not addressed | ||
| Cover for architects no longer practising (inactive, retired) without ongoing premium | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Provinzial Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- PFF Leistungsbeschreibung Planende, Begutachtende, Technische Berufe Edition: Leistungsbeschreibung ProFirm flexibel, RBE Freie technische Berufe Ausgabe 8.2019, Stand August 2019 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Provinzial für planende technische Berufe and available as
plain text.
Volltext Provinzial für planende technische Berufe Architektenhaftpflicht · As text (Markdown) Provinzial für planende technische Berufe Architects liability