Skip to content

APROBAT Comprehensive construction site insurance (Section 2 – Liability insurance) IPID EN

Résumé

Insurance product information document (IPID) for Section 2 – Liability insurance of the APROBAT Comprehensive construction site insurance, published under the header “LALUX Assurances - Product : APROBAT Comprehensive construction site insurance”. Section 2 covers the financial compensation the insured persons may owe third parties under Articles 1382 and 1386 of the Civil Code for damage attributable to the performance on site of the insured works during the construction-assembly-testing period, and, by express agreement, the same liability during the maintenance period and liability under Article 544 of the Civil Code. Cover applies to the construction site(s) and property stipulated in the Special conditions. The document's own “What type of insurance is it ?” paragraph describes direct material damage to insured objects rather than liability, which does not match the Section 2 cover set out in the same page; both readings are recorded as printed.

Garanties

Liability during the construction-assembly-testing period - p. 1

During the construction-assembly-testing period: Financial compensation to which the insured persons may be liable under Articles 1382 and 1386 of the Civil Code for damage caused to third parties and attributable to the performance on site of the insured works and provided that such damage occurred during the construction-assembly-testing period - Optionnelle : non · Portée : Construction site(s) and property stipulated in the Special conditions. - Condition : The damage must be attributable to the performance on site of the insured works. - Condition : The damage must have occurred during the construction-assembly-testing period. - Condition : The guarantee for the construction-assembly-testing period starts for objects to be assembled, building materials and components as well as huts, materials, equipment and construction machinery after unloading them on site.

Liability during the maintenance period - p. 1

During the maintenance period: By express agreement, financial compensation to which the insured persons may be liable under Articles 1382 to 1386 of the Civil Code for damage caused to third parties during the performance by the insured persons of work to which they are liable after provisional acceptance, pursuant to their works contract, and insofar as such damage is the result of such performance and occurred during the period of maintenance - Optionnelle : oui · Portée : Construction site(s) and property stipulated in the Special conditions. - Condition : By express agreement. - Condition : The work must be work to which the insured persons are liable after provisional acceptance, pursuant to their works contract. - Condition : The damage must be the result of such performance and have occurred during the period of maintenance. - Condition : Maintenance period guarantee: begins for each work, part of the work (including its equipment) upon expiry of the guarantee provided for above under (a).

Article 544 of the Civil Code - p. 1

Article 544 of the Civil Code: By express agreement, compensation for damages to third parties attributed to the same lawful use made by him of his right of ownership and resulting from the execution of the insured work. This coverage applies to bodily injury, damage to neighbouring buildings and damage resulting directly from damage to neighbouring buildings. - Optionnelle : oui · Portée : Construction site(s) and property stipulated in the Special conditions. - Condition : By express agreement. - Condition : The damage must result from the execution of the insured work. - Condition : This coverage applies to bodily injury, damage to neighbouring buildings and damage resulting directly from damage to neighbouring buildings.

Exclusions

Exclusion Description S'applique à Page
Damage caused by vehicles subject to compulsory motor insurance Damage caused by all vehicles in cases of liability under the legislation on compulsory motor vehicle insurance all p. 1
Vibrations, drawdown of the groundwater table, absence, removal or weakening of a support Damage resulting from vibrations, drawdown of the groundwater table, absence, removal or weakening of a support all p. 1
Damage to neighbouring property without a joint inventory of fixtures Damage to neighbouring property, unless an inventory of fixtures has been drawn up jointly before the works and a report of the same inventory of fixtures after the works have been completed all p. 1
Personal injury caused by toxic mould Personal injury caused by toxic mould all p. 1
Acts of terrorism General restrictions in the Comprehensive construction site insurance: The following are excluded: losses, damages and/or aggravations related directly or indirectly to acts of terrorism. all p. 1
Fraud, wilful misconduct or gross negligence of the insured person General restrictions in the Comprehensive construction site insurance: Damage caused by fraud, wilful misconduct or gross negligence on the part of the insured person is excluded all p. 1

Obligations de l'assuré

  • Policyholder’s obligations - The policyholder is required in particular to inform the Insurer as soon as possible of: A. any new information likely to influence the seriousness, importance and duration of the risks, in particular in the event of an unusual interruption of work or any essential modification to the information provided by the policyholder at the time of taking out the insurance. (as soon as possible · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • Policyholder’s obligations - B. any increase in the value of the insured property for the purpose of adjusting benefits and premiums. The resulting increase in the Insurer’s liability shall only be acquired by express agreement. (as soon as possible · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • Policyholder’s obligations - C. the total amount of the works contracts, at the latest three months after the end of the construction-assembly-testing period, unless the policyholder can justify the impossibility of meeting the deadline (at the latest three months after the end of the construction-assembly-testing period · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • Prevention obligations - Insured persons must exercise due diligence by taking all necessary measures to prevent losses and, more specifically: in the selection of the workforce; (at all times · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • Prevention obligations - the maintenance in good working order of the equipment and installations used to carry out the work; (at all times · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • Prevention obligations - by complying with the legal and administrative requirements in force, in particular those of the general work protection regulations; (at all times · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • Prevention obligations - by complying with the terms and conditions for which they have made a declaration, or which have been imposed on them by the Insurer. (at all times · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • In the event of discovering a defect affecting an insured property, which is usually likely to exist in series in other property, the insured parties pledge to take all necessary protective and corrective measures at their own expense. (on discovery of the defect · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2
  • Insured persons must at all times allow the Insurer’s agents access to the site. (at all times · The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss.) p. 2

Durée & résiliation

  • Durée : Section 2 : a) The guarantee for the construction-assembly-testing period: Starts for objects to be assembled, building materials and components as well as huts, materials, equipment and construction machinery after unloading them on site. Ends: For each structure, part of a structure (including its equipment) on the earlier of the following dates: end of the testing period provided for in the special conditions, provisional acceptance, occupation or commissioning; For huts, materials, equipment and construction site machinery: upon their removal and at the latest at the end of the construction-assembly-testing period. b) Maintenance period guarantee: begins for each work, part of the work (including its equipment) upon expiry of the guarantee provided for above under (a).
  • Modalité : Decide what to write, as the cancellation terms are different (single premium, etc.).
  • Modalité : E.g. Cancellation is possible within 30 days of receipt of the contract documents

Prime

  • The amount indicated for the premium is payable after receipt of the notice of due date or, if necessary, after receipt of the statement at the end of the work or in the event of an extension of the insurance.
  • The premium cannot be paid monthly.
  • any increase in the value of the insured property for the purpose of adjusting benefits and premiums. The resulting increase in the Insurer’s liability shall only be acquired by express agreement.

Conditions particulières

  • Disclaimer: This document is not tailored to your specific needs and the information and obligations set out herein are not exhaustive. For full information on the rights and obligations of the insurance company and policyholders, please consult the general and/or special conditions relating to the insurance product chosen. p. 1
  • This insurance covers direct material damage comprising the destruction or deterioration of an insured object during the construction-assembly-testing period as well as during the maintenance period. Your advantage: all those involved on the site are considered insured, so there is no need to look for the person responsible, which ensures quick and easy settlement in the event of a claim. p. 1
  • The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss. p. 1
  • The mention “Non-exhaustive list” is printed at the foot of the “What is not insured?” box and of the “Are there any restrictions on cover ?” box. The “What is insured ?” box carries no such mention. p. 1
  • Construction site(s) and property stipulated in the Special conditions. p. 2
  • any increase in the value of the insured property for the purpose of adjusting benefits and premiums. The resulting increase in the Insurer’s liability shall only be acquired by express agreement. p. 2
  • The box “How do I cancel the contract ?” contains no cancellation clause. It prints two lines of editorial instructions to the drafter, verified on a 2.4x render of page 2 as genuinely printed: “Decide what to write, as the cancellation terms are different (single premium, etc.).” and “E.g. Cancellation is possible within 30 days of receipt of the contract documents”. Recorded as printed; nothing was borrowed from another language version of this document to fill it. p. 2

Lacunes d'extraction

  • Insurer: the document prints the brand “LALUX Assurances” in the title banner (with the “lalux ASSURANCES” logo) and the product line “LALUX Assurances - Product : APROBAT Comprehensive construction site insurance”; the body then refers only to “the Insurer” and “the insurance company”. No legal form, no RCS number, no registered address and no authorisation reference appear on either page, so this document alone does not identify which authorised entity carries the risk. insurer_name carries the printed brand “LALUX Assurances” rather than the task metadata value “lalux”.
  • The cancellation box is an unfilled editorial placeholder. “How do I cancel the contract ?” prints two lines addressed to whoever was drafting the document — “Decide what to write, as the cancellation terms are different (single premium, etc.).” and “E.g. Cancellation is possible within 30 days of receipt of the contract documents” — and no cancellation clause at all. Both lines were confirmed on a 2.4x render of page 2, so this is what the paper prints, not a text-layer artefact. They are recorded verbatim in duration_and_cancellation.methods with a note field marking them as a placeholder, and notice_period is left null. The 30-day figure must not be read as this contract's cancellation period: the document labels it “E.g.”. Nothing was completed from the French or German version of the same IPID.
  • Internal contradiction recorded without arbitration: the banner and the sub-title say “Section 2 – Liability insurance”, and the “What is insured ?” box describes only third-party liability under Articles 1382/1386 and 544 of the Civil Code — but the “What type of insurance is it ?” paragraph describes property cover: “This insurance covers direct material damage comprising the destruction or deterioration of an insured object”. That paragraph describes the Comprehensive construction site insurance as a whole (whose Section 1 is published as a separate IPID), not Section 2. Both readings are kept: the paragraph verbatim in special_conditions and in a key_quotes entry, the liability cover in coverages. summary states the mismatch rather than resolving it.
  • Internal inconsistency in the Civil Code article ranges, kept verbatim and not corrected: the construction-assembly-testing cover cites “Articles 1382 and 1386 of the Civil Code” while the maintenance-period cover cites “Articles 1382 to 1386 of the Civil Code”. Both are printed as shown.
  • No edition date, no version number and no internal reference is printed on either page: edition_date and reference are null. The PDF file metadata carry a creation and modification date of 2018-10-08 16:44:08+02:00, the producer “Adobe InDesign CC 13.1 (Macintosh)” and the source file name “IPID_APROBAT_Tous Risques Chantier_Section 2_EN.indd”. These are file metadata, not printed content, and were not taken as an edition date; they are noted because a 2018 IPID may describe a product no longer sold in this form.
  • No amount of any kind appears in this document: no sum insured, no limit of indemnity, no sub-limit, no deductible, no premium figure and no index. deductibles is null and every coverage-level limits, sub_limits and deductible field is null because the document is silent, not because the information was not extracted. The only figures printed anywhere are the three months for declaring the total amount of the works contracts and the “E.g.” 30 days in the placeholder cancellation box.
  • definitions is empty: the document has no glossary and defines no term. “Construction-assembly-testing period” and “maintenance period” are used throughout without a definition; the only thing the document says about them is when each guarantee starts and ends, which is recorded in duration_and_cancellation.duration and in the conditions of the corresponding coverages.
  • claims_procedure is empty: the document contains no “what to do in the event of a claim” section, no declaration deadline and no claims contact. The only deadline-bearing duties are the policyholder's information obligations, recorded in obligations.
  • is_optional: the maintenance-period cover and the Article 544 cover each open with “By express agreement”, so they are recorded as optional. The construction-assembly-testing cover carries no such qualifier and is recorded as not optional; the document does not state in so many words that it is included by default, and the false value reflects only that printed contrast.
  • Reading order of the text layer differs from the printed layout, without any content being lost: page.get_text("text") returns the two grey boxes first and only then the title banner, the disclaimer and the “What type of insurance is it ?” paragraph, which are printed at the top of the page. Verified on a 2.4x render. The page citations follow the [page N] markers, which are unaffected.
  • Structure and recount: the bullets are images and produce no text. Counting them by size closes exactly against what was extracted — page 1: 3 green ticks (7.2 x 7.9 pt) = the 3 coverages, 6 red crosses (7.2 x 7.2 pt) = the 4 Section 2 restrictions plus the 2 general restrictions, 1 orange exclamation mark (2.4 x 8.9 pt) = the single item of “Are there any restrictions on cover ?”; page 2: 1 tick = the single territorial bullet. No bullet was merged or split.
  • Both “What is not insured?” and “Are there any restrictions on cover ?” are followed by “Non-exhaustive list”, so the six exclusions recorded are the document's own selection and not the full exclusion set. The “What is insured ?” box carries no such mention. Following the convention of the other APROBAT extractions, the single item of the “Are there any restrictions on cover ?” box (forfeiture of the right to the benefit) is recorded in special_conditions and as the sanction of every obligation rather than as an exclusion.
  • Branch: the task metadata value construction is copied through unchanged. This document is a construction site all-risks policy (“Comprehensive construction site insurance” / “Tous Risques Chantier” in the source file name) and Section 2 covers third-party liability during the works, not decennial or biennial liability; the Luxembourg branch list offers no closer slug.
  • Product identity: the banner prints “APROBAT - Comprehensive construction site insurance” on the first line and “Section 2 – Liability insurance” on the second, and the product line reads “LALUX Assurances - Product : APROBAT Comprehensive construction site insurance”. product_name carries the first line, variant carries “Section 2 – Liability insurance” (Section 1 is published as a separate IPID in the same three languages), and product_family is set to “APROBAT” to group with the other APROBAT documents, even though the printed Product line is the longer “APROBAT Comprehensive construction site insurance”. is_extension is false: Section 2 is one of two parallel sections of the product, not a rider on a base product.
  • Text-layer checks, all clean on this file: both pages re-extracted with page.get_text("text") via PyMuPDF are character-for-character identical to the text pasted into the prompt (the prompt was not truncated; the document is 2 pages); no text block outside the page rectangle, no zero-width space, no soft hyphen, no NFD accent, no private-use glyph, no U+0007, no lost ligature, no duplicated text layer. The only unusual characters are 10 thin spaces U+2009 before “?” and “:” in the headings and the product line, 3 curly apostrophes U+2019 and 1 en dash U+2013 in “Section 2 – Liability insurance”; page 1 bullets are a bare tab, page 2 bullets a U+2022 or a hyphen followed by a tab. These characters sit inside several key_quotes and were preserved as exact spans cut from the PDF, never retyped.
  • target_audience is null: the document names no customer segment. It refers to “the policyholder”, “insured persons”, “the insured parties” and “all those involved on the site”, and locates the risk on the “Construction site(s) and property stipulated in the Special conditions”, without saying whether the policyholder is a business, a professional or a private individual.

Documents liés

Source & fidélité