Insurance broker / Architects and engineers liability / Policy wording archive Architects liability
VHV ARCHIPROTECT: the policy wording in full
Berufshaftpflicht ARCHIPROTECT 2023 für Architekten und Ingenieure mit Versehensklausel, zeitlich unbegrenzter Nachhaftung, Leistungs-Update-Garantie und fünfjähriger Besserstellungsgarantie; ausgewertet ist nur die Leistungsübersicht, nicht der Bedingungswortlaut.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with VHV.
- AI has advised
- 2Your details
- Application to VHV
Thank you, we have your application.
We prepare it with VHV and get back to you with the documents.
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 VHV ARCHIPROTECT.
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) | not addressed | ||
| 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) | not addressed | ||
| 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) | not addressed | ||
| 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 | yes | „Gutachter und Sachverständiger, Energieberater, Projektmanager, Baulogistiker, als …“ | Seite 1, page 1 |
| Joint ventures and planning consortia: cover for the own share or for full liability | not addressed | ||
| Project control and project management | yes | „Gutachter und Sachverständiger, Energieberater, Projektmanager, Baulogistiker, als …“ | Seite 1, page 1 |
| Health and safety coordination on site (in Austria coordinator under BauKG, in Spain coordinador de seguridad y salud) | yes | „Gutachter und Sachverständiger, Energieberater, Projektmanager, Baulogistiker, als …“ | Seite 1, page 1 |
| Work as expert and appraiser (including court appointed) | yes | „Gutachter und Sachverständiger, Energieberater, Projektmanager, Baulogistiker, als …“ | Seite 1, page 1 |
| Energy consulting, energy performance certificates and evidence for subsidies | yes | „Energieberatung / Energiecontracting“ | Seite 2, page 2 |
| 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 | yes | „Versehensklausel bei nicht angegebenen Risiken und Schadenmeldung“ | Auszug der wichtigsten Leistungen, page 1 |
Insured losses and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pure financial loss without prior bodily injury or property damage | not addressed | ||
| Damage to the designed or supervised building itself (defects of the works as a result of the design error) | not addressed | ||
| Overrun of cost estimates, cost calculations and cost quotations | not addressed | ||
| Overrun of construction periods, deadlines and dates | yes, up to EUR 500,000 | „Versicherungsschutz für Projektsteuerer bei Nichteinhaltung von eigenen Fristen und …“ | Auszug der wichtigsten Leistungen, page 1 |
| 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 | not addressed | ||
| Infringement of copyright and usage rights (drawings, designs, software) | not addressed | ||
| Environmental damage and environmental liability arising from design and supervision | yes | „Umweltrisikoversicherung (Umweltbasis- und Regressrisiko“ | Seite 2, page 2 |
| Loss caused by asbestos and other pollutants in existing buildings | not addressed | ||
| Office and public liability (visitors, office operations, site visits) | not addressed | ||
| Personal liability of employees and freelancers included | not addressed | ||
| Liability for appointed sub consultants and vicarious agents | not addressed | ||
| Defence of damages claims set off against the fee claim (fee clause, fee legal protection) | not addressed | ||
| 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 | not addressed | ||
| Extended reporting period after the end of the contract (duration in years) | yes | „Zeitlich unbegrenzte Nachhaftung ohne Einschränkungen“ | Auszug der wichtigsten Leistungen, page 1 |
| Unlimited extended reporting for breaches during the policy period | yes | „Zeitlich unbegrenzte Nachhaftung ohne Einschränkungen“ | Auszug der wichtigsten Leistungen, 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 | yes | „Vorläufiger Deckungsschutz bei Strittigkeiten bzgl. Vorkenntnis oder Zuständigkeit des …“ | Auszug der wichtigsten Leistungen, page 1 |
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 | none | „Unschädlichkeit bei Beteiligung an Bauwerken als Bauträger, Generalübernehmer im Rahmen …“ | Auszug der wichtigsten Leistungen, page 1 |
| Exclusion for carrying out construction work and supplying building materials (design and build) | none | „Lieferung von Baustoffen neben der Planung bis zu 30 % des Planungshonorars“ | Auszug der wichtigsten Leistungen, page 1 |
| 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 | yes | „Auch bei einem Wechsel von einer anderen Gesellschaft gilt mit der 5-jährigen …“ | Seite 2, page 2 |
| Future improvements of the terms apply automatically (innovation clause) | yes | „Der Vertrag erhält dadurch automatisch die verbesserten Leistungen, wenn wir den …“ | Seite 2, page 2 |
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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- VHV Allgemeine Versicherung AG, VHV Vereinigte Hannoversche Versicherung a.G.
- Distribution
- brokers and direct
- ARCHIPROTECT Leistungsübersicht (Versehensklausel, unbegrenzte Nachhaftung, vorläufige Leistung bei Streit mit dem Vorversicherer) Edition: ARCHIPROTECT 2023, Druckstück 103.0031.68, Stand 12.2022 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 VHV ARCHIPROTECT and available as plain text.
Volltext VHV ARCHIPROTECT Architektenhaftpflicht · As text (Markdown) VHV ARCHIPROTECT Architects liability