The BA-10 keeps you upright, even when things go awry with your structure.
BA-10
What is a BA-10?
Active in the construction industry? Then you are familiar with the term BA-10. This insurance protects contractors, architects and other service providers against the consequences of their 10-year liability.
Why a BA-10?
Peace of mind
With this insurance, you will always have peace of mind. You comply with legal requirements and fulfil your professional responsibilities.
Legal obligation for construction professionals
BA-10 insurance is mandatory for architects, contractors and other service providers in the construction industry. BA-10, also known as the 10-year liability insurance, covers liability for any defects that endanger the stability of a structure.
You are always protected against any claims for which you bear the liability. In fact, claims are covered by BA-10. So that you will not face unexpected costs.
Competitive advantage
Ten-year liability insurance makes a professional and reliable impression on your customers. For customers, ten-year liability insurance can be the deciding factor in choosing your company over a competitor.
What does a BA-10 cover?
BA-10 insurance, also known as ten-year liability insurance, covers liability for any defects that endanger the stability of a structure.
Does damage occur as a result of these defects within 10 years of completion of the building work? Then the insurance will cover the costs arising from any claims.
BA-10 insurance is mandatory for architects, contractors and other service providers in the construction industry. This obligation applies particularly to construction projects that require the intervention of an architect.
For other construction partners, taking out BA-10 insurance is not a legal requirement, but it is strongly recommended. This will cover you against possible liability claims.
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
Who should take out this insurance, the building owner or the contractor?
Legally, the contractor must take out BA-10 insurance.
However, we recommend that you, as the owner of the building, take out a BA-10 policy yourself. This is because the contractor only insures his own liability (not the full liability of all parties involved in the construction project).
Given that several parties are involved in construction or remodelling (contractor, architect, stability engineer, etc.), when damage occurs, it is determined who is liable. Determining that liability is usually done by the court.
Avoid protracted litigation by taking out ten-year liability insurance as an owner yourself. This way, you will be compensated regardless of liability. And all parties involved (contractor, architect, stability engineer, etc.) are insured.
Is this insurance compulsory?
This insurance is mandatory for works where the stability of the building may be compromised, requiring the intervention of an architect and planning permission (e.g. removal/movement of retaining walls/supporting beams).
Can I rely on my Decenal Liability Insurance for errors in the design of the structure?
Yes, this insurance takes care of such errors.
What happens if the contractor goes bankrupt before I can make a claim?
Before starting the works, it is important to request a certificate of coverage from the contractor.
If the contractor goes bankrupt afterwards, you can prove that the contractor's liability was covered at the beginning of the works. In that case, the insurer will reimburse the bankrupt contractor's share.
Nevertheless, we always recommend that owners take out their own BA-10 insurance.
Can I insure several construction projects under one Decennial Liability Insurance policy?
As a contractor or architect, you can opt for a subscription policy. In it, you can have different yards insured, often at advantageous rates.
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