Insure what matters: your projects. Our expertise.

We do not just insure risks - we understand them. And we know that between service phase 5 and a liability claim, there is often only one detail. The best part: our advisory starts early - in tenders and contract reviews (architect and engineer contracts), we provide well-founded insurance assessments and help identify and actively manage liability risks at an early stage.

What can you expect from us? More than insurance confirmations, policies and invoices:

• Insurance solutions with substance - solid advice, precise coverage, strong support when it matters
• Processes that work, from the first request to claims settlement
• Partnership at eye level, with the goal of making your work easier and minimizing your risks
• Flexibility, whether a single project or an AIC framework agreement - we are there where you need protection

We know the pitfalls in your architect and engineer contracts - and tell you in good time where insurance ends and your own risk begins. Surprises belong at birthday parties, not in liability. With AIC, you are in the best company. This is not a phrase - it is industry reality.

Scope of cover

Depending on the offer, professional indemnity insurance through AIC includes:

• all activities that are part of the professional profile of an architect/engineer - from object and specialist planning to expert and surveyor services, activities as lead consultant, project manager, safety and health coordinator, through to energy consulting and permitted legal advice/legal services under the German Legal Services Act (RDG)
• losses from culpable deadline and schedule overruns except your own deadlines and schedules. The defense against unjustified claims related to construction period overruns is also covered.
• for project managers/project controllers, also losses from deadline and schedule overruns
• losses from cost overruns - except for unavoidable baseline costs (Sowiesokosten), for which legal protection for defending unjustified claims is granted
• late losses resulting from pre-contractual breaches (insurer change clause)
• limitation of the deductible (from EUR 2,500, e.g. to 2x per structure), including legal defense within the deductible
• worldwide foreign losses
• liability, insolvency risk of a JV partner and claims against the JV itself
• active fee litigation in case of a liability claim asserted by the client
• unlimited post-liability without restrictions in time
• losses from use of internet technologies / operation of BIM, data and communication servers
• losses from use of construction software / BIM software; BIM software is expressly included, not only for planning but also for visualization including advisory on project use; training related to the software landscape is included
• co-insurance of activities as juror and competition assessor as well as lecturer/instructor
• co-insurance for sustainable construction / green building; activities as an auditor under DGNB, LEED, BREEAM and HQE standards are generally included
• increase of harmlessness thresholds for own losses by agreement (e.g. participation in structures as developer/general contractor company does not exceed 30 %)
• contractual extension of limitation periods, extension up to 5 years and 9 months covered; expansion to structures
• errors and omissions clause: cover also for risks unintentionally not stated in the application, provided they are reported later
• drones/unmanned aircraft systems with worldwide cover
• employment of freelancers as well as outsourcing services to independent offices
• office liability insurance (including rented property damage/key loss)
• environmental liability insurance and environmental damage insurance
• private liability risks for owners/partners/managing directors/board members
• and much more ...