{"id":457,"date":"2025-07-25T16:18:31","date_gmt":"2025-07-25T14:18:31","guid":{"rendered":"https:\/\/avesta.be\/?post_type=actualites&#038;p=457"},"modified":"2025-07-25T16:18:31","modified_gmt":"2025-07-25T14:18:31","slug":"note-dinformation-responsabilite-professionnelle-couverture-dassurance-des-architectes-et-bureaux-detudes","status":"publish","type":"actualites","link":"https:\/\/avesta.be\/en\/actualites\/note-dinformation-responsabilite-professionnelle-couverture-dassurance-des-architectes-et-bureaux-detudes\/","title":{"rendered":"Information note - Professional liability &amp; insurance cover for architects and design offices"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>Information note - Professional liability &amp; insurance cover for architects and design offices<\/strong><br>\ud83d\uddd3\ufe0f <em>July 2025 - For architects and designers working through a company<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2757 Recent case law reinforces the need to pay close attention to your insured status<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Visit <strong>Court of Cassation<\/strong> issued a ruling on <strong>May 22, 2025<\/strong> (Cass., 22\/05\/2025, no. C.23.0404.F), which emphasizes a <strong>critical flaw<\/strong> in the coverage of certain Belgian architects:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Policies taken out by architects in their personal capacity do not automatically cover services provided through their company.<\/strong>if it <strong>is not registered with the Ordre<\/strong> and <strong>is not included in the contract.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2696\ufe0f <strong>Highlights of the case:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An architect registered with the<strong>Order of Architects<\/strong> practiced via an unregistered SPRL.<\/li>\n\n\n\n<li>An architectural contract is signed by the <strong>SPRL<\/strong>and not by the individual.<\/li>\n\n\n\n<li>Professional liability insurance had been taken out <strong>in the name of the individual architect<\/strong>.<\/li>\n\n\n\n<li>In the event of a claim (here: serious defects), the insurer has <strong>refused to intervene<\/strong>on the grounds that the contract had been entered into by an uninsured entity.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Visit <strong>Cour de cassation quashes appeal ruling<\/strong>reminding us that <strong>the architect remains personally liable<\/strong> when the company <strong>has no legal title to practice<\/strong> the profession (cf. <em>art. 2 and 9 of the law of February 20, 1939<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 <strong>Our recommendations at Avesta Insurance<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For <strong>secure your insurance coverage<\/strong>make sure that :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li> <strong>Your company (SPRL, SRL, etc.) is registered with the Order of Architects<\/strong> if it signs contracts on behalf of the office.<\/li>\n\n\n\n<li> <strong>A professional liability policy specifically underwritten in the company's name<\/strong>and not just privately.<\/li>\n\n\n\n<li> Your insurance contract clearly distinguishes :\n<ul class=\"wp-block-list\">\n<li>Actions taken <strong>in your own name<\/strong> (natural person),<\/li>\n\n\n\n<li>Services provided <strong>via your company<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"> Who's concerned?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Self-employed architects practising in the form of a company (SPRL, SRL...)<\/li>\n\n\n\n<li>Technical design offices, stability, PEB, safety coordination<\/li>\n\n\n\n<li>All other designers<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"> Need an audit of your professional liability coverage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>Avesta Insurance<\/strong>we support a large number of <strong>designers and specialized firms<\/strong> in bringing their legal structure and professional insurance into line.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/avesta.be\/en\/contactez-courtier-dassurances\/\" data-type=\"link\" data-id=\"https:\/\/avesta.be\/contactez-courtier-dassurances\/\">Contact us for a professional incubation analysis<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\ud83d\udccc Information Note \u2013 Professional Liability &amp; Insurance Coverage for Architects and Design Firms\ud83d\uddd3\ufe0f July 2025 \u2013 For architects and designers practicing through a company \u2757 Recent case law underscores the importance of paying close attention to your status as an insured party. The Court of Cassation issued a ruling on May 22, 2025 (Cass., 05\/22\/2025, No. C.23.0404.F) [\u2026]<\/p>","protected":false},"featured_media":458,"template":"","class_list":["post-457","actualites","type-actualites","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/actualites\/457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/actualites"}],"about":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/types\/actualites"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/media\/458"}],"wp:attachment":[{"href":"https:\/\/avesta.be\/en\/wp-json\/wp\/v2\/media?parent=457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}