When is liability insurance needed in construction? As soon as you, as a contractor, subcontractor or developer, can cause damage to third parties or to the project itself. In practice this is essentially from the first site onward.

Who is liable for damage to a neighbouring building? Usually the party carrying out or commissioning the works, depending on the cause. Liability insurance covers this risk within the policy terms.

What's the difference with ten-year liability? Ten-year liability specifically covers serious defects that threaten the stability of the building and only come to light after handover. Other liability cover mainly applies during execution.

Are architects also required to insure themselves? Yes, for architects, professional liability and ten-year insurance is legally required.

Can KBRS review our existing liability policy? Yes. We review your current cover for scope, exclusions and price, and show where adjustments make sense.

What should I do if I'm held liable for damage during a project? Contact KBRS immediately. We guide the notification to the insurer and the further follow-up of the file.