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APROBAT Professional liability for architects and consulting engineers IPID EN

Résumé

Insurance product information document (IPID) for APROBAT - Professional liability for architects and consulting engineers. The Insurer indemnifies the policyholder and/or the insured against the financial consequences of civil liability incurred during the legal exercise of the professional activities described in the Special Conditions, following physical, material and immaterial damage caused to third parties. The cover comprises professional liability (errors, negligence or fault of a contractual or ten-yearly nature towards the client) and operating liability (extra-contractual liability), plus six additional guarantees. The warranty is granted for damages that occur worldwide excluding the United States of America and Canada.

Définitions

Terme Définition Page
Professional liability cover damage resulting from an error, negligence or fault of a contractual or ten-yearly nature towards the client, as well as damage resulting from it to third parties who are not contracting parties with the policyholder and/or the insured person p. 1
Operating liability The extra-contractual liability of the policyholder and/or the insured person for damage caused to third parties during the course of the insured activity. This insurance covers damages other than those covered by the professional liability coverage. p. 1
“Structures” (special works) special works such as bridges, tunnels, locks, dykes or underwater works p. 1

Garanties

Basic guarantees - p. 1

The Insurer indemnifies the policyholder and/or the insured against the financial consequences of civil liability that they may incur during the legal exercise of their professional activities described in the Special Conditions, following physical, material and immaterial damage caused to third parties. - Optionnelle : non · Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada. - Condition : During the legal exercise of their professional activities described in the Special Conditions - Condition : The guarantees of this contract are only forfeited for claims made to the policyholder during the period of validity of the contract (wording as printed)

Professional liability - p. 1

Professional liability cover is defined as damage resulting from an error, negligence or fault of a contractual or ten-yearly nature towards the client, as well as damage resulting from it to third parties who are not contracting parties with the policyholder and/or the insured person. - Optionnelle : non · Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada.

Operating liability - p. 1

The extra-contractual liability of the policyholder and/or the insured person for damage caused to third parties during the course of the insured activity is covered. This insurance covers damages other than those covered by the professional liability coverage. - Optionnelle : non · Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada. - Condition : Covers damages other than those covered by the professional liability coverage

Additional guarantee - Theft committed by employees - p. 1

Theft committed by employees. - Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada.

Additional guarantee - Material damage to property belonging to employees - p. 1

Material damage to property belonging to employees. - Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada.

Additional guarantee - Neighbourhood disturbances (art. 544 of the Civil Code) - p. 1

Neighbourhood disturbances (art. 544 of the Civil Code). - Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada.

Additional guarantee - Subcontractors - p. 1

Subcontractors: the liability of insured persons for acts performed by a subcontractor is covered, provided that the work is included in the description of the insured company's activities. - Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada. - Condition : provided that the work is included in the description of the insured company's activities - Condition : The following are not covered: subcontractors other than architects and/or consulting engineers as well as damages that would be excluded if the subcontractors were insured.

Legal defence and expertise costs: defence of the insured person in any claim for compensation made against him/her. The Insurer shall appoint a lawyer and/or a technical expert if it deems it necessary. The costs of lawyers and technical experts appointed by the Insurer shall be borne by the Insurer. - Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada. · Limite : The costs of lawyers and technical experts appointed by the Insurer shall be borne by the Insurer. - Condition : The Insurer shall appoint a lawyer and/or a technical expert if it deems it necessary

Additional guarantee - Budget overrun - p. 1

Budget overrun: damage resulting from an overrun of the budget due to the insured person's own fault is included in the coverage. - Portée : The warranty is granted for damages that occur worldwide excluding the United States of America and Canada. - Condition : The overrun must be due to the insured person's own fault

Exclusions

Exclusion Description S'applique à Page
Fraud, wilful misconduct or gross negligence Damage caused by fraud, wilful misconduct or gross negligence on the part of the policyholder and/or the insured person. all p. 1
Activity outside the insured profession (in particular real estate developer or trading activity) Damage resulting from any activity outside the insured person's profession described in the Special Conditions, in particular that of real estate developer or any other trading activity. all p. 1
Works subject to a reservation refused by a control office Damage to works carried out under the supervision of the policyholder and which would have previously been subject to a reservation refused by a control office designated by the contracting authority and accepted by the policyholder. all p. 1
Neighbouring property without a joint inventory of fixtures Damage to property located in the immediate vicinity of the works carried out when they have not been subject to an inventory of fixtures drawn up jointly before the works and a verification report of the same inventory of fixtures after the works have been completed. all p. 1
Serious breach of building permit, environmental, ITM and construction-standard rules Damage resulting from a serious breach of building permit regulations, applicable environmental regulations, the Labour and Mining Inspectorate (“Inspection du Travail et des Mines”) guidelines and internationally recognised construction standards. all p. 1
Restriction - subcontractors other than architects and/or consulting engineers Subcontractors (additional coverage): The following are not covered: subcontractors other than architects and/or consulting engineers as well as damages that would be excluded if the subcontractors were insured. Additional guarantee - Subcontractors p. 1
Restriction - limitation of warranty for “Structures” Limitation of warranty for “Structures”: Liability arising from the construction of special works such as bridges, tunnels, locks, dykes or underwater works is included in the coverage only after the express agreement of the Insurer listed in the Special Conditions. all p. 1

Obligations de l'assuré

  • The contract is drawn up on the basis of the policyholder's declarations and the premium is set accordingly. The Insurer reserves the right to verify by any means the accuracy of the policyholder's declarations used as a basis for calculating the premium. (At subscription and throughout the contract) p. 2
  • The policyholder must declare exactly all the circumstances and characteristics known to him/her which are likely to cause the Insurer to assess the risks it assumes and in particular those referred to in the insurance application and/or the Special Conditions. (At subscription · When an intentional omission or inaccuracy in the declaration misleads the Insurer concerning the elements of risk assessment, the insurance contract will become void. Premiums due to the Insurer up to the time the Insurer becomes aware of such intentional omission or inaccuracy will be due to the Insurer.) p. 2
  • The policyholder must notify the Insurer in writing of any material change in circumstances of which he/she is aware that are likely to affect the assessment of the risk insured by the Insurer. (During the contract · When an intentional omission or inaccuracy in the declaration misleads the Insurer concerning the elements of risk assessment, the insurance contract will become void. Premiums due to the Insurer up to the time the Insurer becomes aware of such intentional omission or inaccuracy will be due to the Insurer.) p. 2
  • In any case, any change in a circumstance on which the Insurer has asked specific questions in writing at the time of concluding the contract is presumed to have an influence on the assessment of the risk. (During the contract) p. 2
  • During the term of the contract, the policyholder must declare to the Insurer any lasting and material change in circumstances that may have an impact on the risk of the insured event occurring. (During the term of the contract · When an intentional omission or inaccuracy in the declaration misleads the Insurer concerning the elements of risk assessment, the insurance contract will become void. Premiums due to the Insurer up to the time the Insurer becomes aware of such intentional omission or inaccuracy will be due to the Insurer.) p. 2

Durée & résiliation

  • Durée : The guarantees of this contract are only forfeited for claims made to the policyholder during the period of validity of the contract, insofar as such claims arise from: missions carried out since the effective date of the contract, provided that they have been mentioned in the annual list of works; assignments carried out before the effective date (unless otherwise agreed), provided that the policyholder was not aware, at the time of subscription of this contract, of any claim likely to affect his liability. Unless tacitly renewed, the contract will cease to be effective on the day of its expiry date at midnight.
  • Reconduction tacite : oui
  • Préavis : Registered letter sent 30 days before that date (policyholder); registered letter sent 60 days before the due date of the annual premium, or failing that, on the anniversary date of the effective date of the contract (Insurer).
  • Modalité : By registered letter
  • Droit spécial : The policyholder has the right to cancel the contract each year at the end of the annual premium period, or failing that, on the anniversary date of the effective date of the contract, by registered letter sent 30 days before that date.
  • Droit spécial : The Insurer shall benefit from the same right of cancellation by sending a registered letter to the policyholder 60 days before the due date of the annual premium, or failing that, on the anniversary date of the effective date of the contract.
  • Droit spécial : However, if the Insurer decides not to renew the insurance contract for reasons other than non-payment of the premium or fraud by the policyholder, or if the policyholder does not renew their insurance contract as a result of an increase of more than 10% in the premium rate, the contract shall be extended for 36 months from the expiry date to cover claims addressed to the policyholder relating to buildings already provisionally received even provisionally by the sellers or owners before non-renewal, subject to payment of an appropriate premium and the agreement of the parties.
  • Droit spécial : If the Insurer becomes aware of an unintentional omission or misstatement, it may, within one month of becoming aware of such omission or misstatement, and with effect from that date, propose an amendment to the contract. If the policyholder refuses to accept the proposal to amend the contract or if, after a period of one month from receipt of the proposal, it is not accepted, the Insurer may terminate the contract within fifteen days.
  • Droit spécial : If the Insurer proves that it would not have insured the risk under any circumstances, it may terminate the contract within one month of the day on which it became aware of the inaccuracy or omission.

Prime

  • When the contract is taken out, a provisional annual premium and a minimum annual premium are set.
  • The provisional premium is payable at the beginning of the insurance year and constitutes an advance payment on the final premium for the insurance year concerned.
  • The minimum premium is the minimum amount that must be paid, based on the calculation of the fees, for the insurance year concerned.
  • The final premium is the premium that must be paid at the end of the insurance year concerned; it is set when the premium statement is drawn up. It may not be less than the minimum premium for the insurance year concerned.
  • The contract is drawn up on the basis of the policyholder's declarations and the premium is set accordingly. The Insurer reserves the right to verify by any means the accuracy of the policyholder's declarations used as a basis for calculating the premium.

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
  • The wording “Non-exhaustive list” is printed at the foot of the “What is insured ?” box, of the “What is not insured ?” box and of the “Are there any restrictions on cover?” box. p. 1
  • The cover attaches to claims made to the policyholder during the period of validity of the contract. For missions carried out since the effective date of the contract, cover applies “provided that they have been mentioned in the annual list of works”. For assignments carried out before the effective date, cover applies “(unless otherwise agreed), provided that the policyholder was not aware, at the time of subscription of this contract, of any claim likely to affect his liability”. p. 2
  • However, if the Insurer decides not to renew the insurance contract for reasons other than non-payment of the premium or fraud by the policyholder, or if the policyholder does not renew their insurance contract as a result of an increase of more than 10% in the premium rate, the contract shall be extended for 36 months from the expiry date to cover claims addressed to the policyholder relating to buildings already provisionally received even provisionally by the sellers or owners before non-renewal, subject to payment of an appropriate premium and the agreement of the parties. p. 2
  • When an intentional omission or inaccuracy in the declaration misleads the Insurer concerning the elements of risk assessment, the insurance contract will become void. Premiums due to the Insurer up to the time the Insurer becomes aware of such intentional omission or inaccuracy will be due to the Insurer. If the Insurer becomes aware of an unintentional omission or misstatement, it may, within one month of becoming aware of such omission or misstatement, and with effect from that date, propose an amendment to the contract. If the policyholder refuses to accept the proposal to amend the contract or if, after a period of one month from receipt of the proposal, it is not accepted, the Insurer may terminate the contract within fifteen days. If the Insurer proves that it would not have insured the risk under any circumstances, it may terminate the contract within one month of the day on which it became aware of the inaccuracy or omission. p. 2

Lacunes d'extraction

  • CARRIER NOT DETERMINABLE. The document prints only the brand — “LALUX Assurances - Product : Professional liability for architects and consulting engineers” in the header band, with the “lalux ASSURANCES” logo — and otherwise refers to the insurer as “the Insurer” and “the insurance company”. No company name, no legal form, no R.C.S. number, no registered address and no supervisory authority appear on either of the 2 pages, which were read in full. That brand alone does not identify which of the authorised entities carries the risk; insurer_name keeps the value supplied by the task (“lalux”).
  • SENTENCE THAT SAYS THE OPPOSITE OF WHAT IT MUST MEAN, reproduced as printed and NOT repaired: under “When does the cover start and end ?” page 2 prints “The guarantees of this contract are only forfeited for claims made to the policyholder during the period of validity of the contract, insofar as such claims arise from: …”. Read literally, the guarantees would be LOST for precisely the claims the following three conditions describe, which contradicts the three conditions themselves (they are the classic claims-made attachment conditions: missions since the effective date and listed in the annual list of works; prior assignments not known to give rise to a claim; a 36-month extension after non-renewal). The word is most probably a mistranslation of a French “ne sont acquises que”. The sentence is recorded verbatim in duration_and_cancellation.duration and quoted verbatim; the reading it implies has NOT been corrected, and the contradiction is flagged here rather than resolved.
  • RUBRIC CONTRADICTED BY ITS CONTENT, kept as printed: the rubric “When does the cover start and end ?” contains no start date and no end date. It sets out the claims trigger and the post-termination reporting extension instead. Conversely, the actual expiry rule (“Unless tacitly renewed, the contract will cease to be effective on the day of its expiry date at midnight.”) is printed under “How do I cancel the contract ?”. Both contents are recorded in duration_and_cancellation without being moved or relabelled in the document.
  • SECOND RUBRIC ANOMALY: the rubric “When and how do I pay ?” describes only the premium calculation mechanism (provisional / minimum / final annual premium) and never states when or how payment is made, beyond “The provisional premium is payable at the beginning of the insurance year”. No payment channel, no direct-debit option and no due-date notice are mentioned, unlike the other lalux IPIDs in this corpus.
  • VERIFICATION OF COLUMN ORDER: NEGATIVE (no inversion). Page 1 is a two-column layout; the flat text emits the whole left column (“What is insured ?”, blocks at x0 29.8-43.9, y 283 to 730) before the right column (“What is not insured ?” and “Are there any restrictions on cover?”, blocks at x0 307.6-321.7, y 283 to 793), matching the printed order. No exclusion landed among the covered items and no covered item among the exclusions. Attachment was nevertheless rebuilt from abscissa rather than from proximity in the flow. Page 2 is a single column.
  • POLARITY CONFIRMED BY GLYPH IDENTITY, not by proximity: the bullets are placed images, invisible to get_text, and three distinct bullet images are used — 120x133 px = green tick (covered), 120x121 px = red cross (not covered), 40x148 px = orange exclamation mark (restriction). The same three glyphs carry the same meanings on the sibling lalux IPIDs handled in this batch.
  • IMAGE COUNTS CLOSE EXACTLY on page 1: 16 images = 9 green ticks in the left column (1 basic guarantee at y 342.9, 1 professional liability at y 422.8, 1 operating liability at y 488.8, and 6 additional guarantees at y 571.4, 582.4, 593.4, 604.4, 637.4, 692.4) + 5 red crosses in the right column (y 344.8, 380.6, 427.5, 485.3, 554.1) = the 5 exclusions + 2 orange marks (y 688.5, 732.5) = the 2 restrictions. 9 + 5 + 2 = 16. Page 2 carries 1 image, the bullet of the “Where am I covered ?” box. Every list item is therefore accounted for and none was lost with its invisible bullet.
  • “Operating liability” IS A GUARANTEE, not a sub-item of “Professional liability”, even though the flat text indents it: it carries its own green tick image at y 488.8 at the same abscissa as the other guarantee bullets, and its own paragraph. It is recorded as a separate coverage.
  • READING ORDER INVERTED VERTICALLY (flagged, no effect on attachment): on page 1 the flat text emits the two boxed columns before the two full-width blocks printed above them — the “Disclaimer” (y0 130.7) and the “What type of insurance is it ?” section (y0 180.6). Those two blocks therefore arrive at the very END of page 1 in the prompt text although they are printed near the top. The title band (y0 26.4) is emitted first, in its printed position.
  • NO AMOUNT, NO CEILING, NO SUB-LIMIT AND NO DEDUCTIBLE ARE PRINTED anywhere in this document: deductibles is null and every limits field is null except the legal-defence one, which only states who bears the costs. The only figures in the document are “art. 544 of the Civil Code”, “an increase of more than 10% in the premium rate”, “36 months”, “fifteen days”, “one month”, “30 days” and “60 days”. The € glyph does not occur in the text layer, which is consistent with the render showing no monetary amount at all — no currency symbol was lost in extraction.
  • NO CLAIMS PROCEDURE IS DESCRIBED: the document sets out no claim-notification deadline, no addressee and no formality, so claims_procedure is empty. The only claim-related statements are the legal-defence guarantee (the Insurer appoints the lawyer and/or technical expert) and the claims-made trigger.
  • NO PRESCRIPTION PERIOD, NO WAITING PERIOD are mentioned: prescription_period is null and waiting_periods is empty. No edition date, version number or internal reference is printed on either page: edition_date and reference are null (there is no footer).
  • LISTS DECLARED NON-EXHAUSTIVE BY THE DOCUMENT ITSELF: “Non-exhaustive list” closes all three boxes on page 1. The 9 coverages and 7 exclusions recorded here are what this IPID prints, not the full cover and exclusion set of the product; the general conditions of the same product (“D.G. RC Architectes-Ingenieur”) exist separately in the corpus and were not consulted.
  • EXTRACTED IN ITS OWN LANGUAGE ONLY: the French and German versions of this same IPID exist in the corpus and were NOT consulted to complete, verify or reword anything — including the “are only forfeited” sentence, which was left exactly as the English document prints it rather than being reconciled against a sibling version. Every value comes from the English text layer of this file.
  • TEXT FULLY EXTRACTED AND VERIFIED: the text layer re-extracted from the PDF with page.get_text("text") via PyMuPDF is character-for-character identical to the text supplied in the prompt (page 1: 4465 characters, page 2: 4718 characters; the prompt only adds a trailing newline to page 1). No truncation. No stray characters: no U+0007, no U+200B, no U+00AD, no private-use-area glyph, no combining accent, no hyphenated word split across a line break. The only notable character is the thin space U+2009 before colons and question marks in the headings.
  • NO VECTORISED AND NO ENCIPHERED TEXT: both pages deliver a readable MyriadPro text layer that matches the render.
  • THE key_quotes WERE SLICED PROGRAMMATICALLY as exact spans of the re-extracted PDF text layer (never retyped); none crosses a page boundary, so none swallows a [page N] marker. The structured descriptions normalise the justification line breaks and are therefore not quotable as such.
  • PAGINATION: the document prints no folio. The page numbers cited are those of the [page N] markers, which correspond to PDF pages 1 and 2 (a 2-page document).

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