In construction and renovation projects, a structural defect may not become apparent until years later. When the stability or watertightness of a building is compromised, you as a construction professional can be held liable for up to ten years after completion.
The ten-year liability insurance protects you against the financial consequences of serious construction errors for which you are legally responsible.
The decennial or ten-year liability insurance covers your civil liability for ten years after the provisional acceptance of a construction project.
According to Belgian law, contractors, architects, and other construction professionals are liable for ten years for defects that:
For certain residential construction projects, this insurance is legally required. It offers protection when a client holds you liable for serious construction defects within this legal period.
Covers damage resulting from serious defects affecting stability or waterproofing when these compromise the stability and structural integrity of the property.
Covers your legal liability for ten years after completion.
Covers high damage claims in case of structural construction defects.
Insure your business against financial risks that could threaten its survival.
The ten-year liability insurance is intended for construction professionals such as:
For anyone involved in residential construction projects for which the involvement of an architect is required, this insurance is in many cases legally mandatory.
Van Dessel guides you in determining your obligations and ensures compliant coverage.
The premium is calculated based on:
For project-specific policies, the premium is often calculated on a per-project basis. In other cases, an annual policy may be the most suitable option.
Van Dessel analyses your projects and helps you find an insurance solution that matches your activities and way of working.
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Want to make sure your ten-year liability is properly insured?
We assess your role in the construction project, your contractual obligations and the applicable legal requirements. You will receive clear, practical advice tailored to your situation.
Request a no-obligation quote or contact one of our specialists.
Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.