{"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><\/p>\n\n\n\n<p>\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><\/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>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>\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><\/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>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><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 <strong>Our recommendations at Avesta Insurance<\/strong><\/h3>\n\n\n\n<p>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><\/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><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"> Need an audit of your professional liability coverage?<\/h3>\n\n\n\n<p>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><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><\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><\/h1>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\ud83d\udccc Note d'information \u2013 Responsabilit\u00e9 professionnelle &amp; couverture d\u2019assurance des architectes et bureaux d\u2019\u00e9tudes\ud83d\uddd3\ufe0f Juillet 2025 \u2013 \u00c0 l\u2019attention des architectes et concepteurs exer\u00e7ant via une soci\u00e9t\u00e9 \u2757 Une jurisprudence r\u00e9cente renforce l\u2019attention \u00e0 porter \u00e0 votre statut d\u2019assur\u00e9 La Cour de cassation a rendu un arr\u00eat le 22 mai 2025 (Cass., 22\/05\/2025, n\u00b0 C.23.0404.F) [&hellip;]<\/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}]}}