Liability cover specially designed for the construction sector
With three types of liability cover tailored to the construction sector and large sums insured, you can work with complete peace of mind!
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INSURANCE
Construction liability insurance*
* Construction liability insurance is a Belgian-law liability insurance policy distributed by BNP Paribas Fortis. The policy term is one or three years, at the end of which it will be renewed by tacit agreement for the same period.
Your liability insured
When you work, you could cause damage at any time. If you’re liable, you’ll have to compensate the victim, and the bill can quickly become very large.
Fortunately, construction liability insurance* protects your finances from this danger. It takes care of any compensation for damage where you or the people who work for you are at fault.
Operational liability
Operational liability insurance covers extra-contractual liability. It pays out in the event that harm is caused to third parties by you or your staff.
Tailored to the construction sector
The cover is specifically designed for the construction industry: damage to cables and pipes, damage caused by demolition or excavation work, hot work etc.
A wide variety of situations
Damage to your staff's vehicles, damage following a fire or pollution incident, theft committed by a staff member... If you’re liable, then operational liability cover protects you!
Property in care, custody and control
Have you damaged a tool that you’re renting? Have you damaged property entrusted to you for the purposes of your work? Property in care, custody and control insurance covers the cost of the damages.
Post-completion
If damage occurs after you’ve delivered the goods or completed your work, post-completion insurance covers your contractual and extra-contractual liability for the damage.
High sums insured
With high basic sums insured suited to the construction sector, you benefit from optimal protection. You can also adjust the sum insured if you wish.
Construction liability insurance*: a few examples
A tile injures a passer-by
You’re working on a roof, and a tile falls on a passing vehicle. The damage to the vehicle and the injury to the driver will be covered by operational liability insurance.
Hot work
Welding, grinding or cutting that produces sparks, roofing work with a blowtorch... Our construction liability insurance* covers damage caused by hot work.
Damaged tiles
You’ve damaged tiles with sealant at a customer's home. Property in care, custody and control insurance will take care of the compensation.
Pipe leaks and water damage
Unbeknownst to you, you crack a pipe during excavation work. Later, the crack expands and causes water damage. This will be covered by post-completion insurance.
Scope of your cover
Main risks covered
damage caused to third parties by property or people employed during your business activities
damage caused to property in your care, custody and control, for example property entrusted to you for maintenance or as a work tool
damage caused by your products after delivery or by your work after completion
your cover is valid worldwide, but you need formal authorisation for the United States and Canada
Main exclusions
damage caused intentionally by a company director as well as damage caused in a state of drunkenness or similar, but also penalties and fines, which remain your responsibility
damage caused by your company's assets that are not used for operational purposes, for example a building acquired as a financial investment
replacement or repair of defective products or work
all damage caused to property of which you are the owner or occupant
Discover the complete list of risks covered and exclusions
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The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover provided can be found in the standard terms and conditions. To find out the main characteristics of this insurance, you can consult the information document. To receive a quote, please contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Learn more
Read the following documents before signing your policy.
Any concerns?
If you have any questions, you can contact your advisor in the first instance or consult Article 21 of the standard banking terms and conditions.
Complaints can be made to BNP Paribas Fortis SA, Complaints Department (JQABD), Montagne du Parc 3, 1000 Brussels (tel. 02 228 72 18, email: gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, Tel: 02 547 58 71 – Fax: 02 547 59 75 – www.ombudsman-insurance.be.
Make a claim
If you need assistance or advice in the event of an accident, or if you want to make a claim, our team is here to help!
in three steps
Your construction liability insurance*
1
Check your cover
Make a list of the insurance policies your business already has and consult our list of covered activities.
2
Contact us
We’ll work with you to examine how best to cover the liability of your construction business according to your specific needs.
3
Get your quote
Obtain a personalised construction liability insurance* policy proposal tailored to your business.
Contact your advisor or call the Easy Banking Centre to schedule a video call.Call us on 02 433 43 34
Supplement your cover
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Insurance-backed 10-year guarantee for builders
This covers your liability as a contractor for 10 years in the event of problems with building stability.
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Fire and explosion strict liability insurance
This insurance is a legal requirement for those operating certain establishments open to the public, and compensates third-party victims of an incident on your behalf.
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Operational legal expenses insurance
If you’re facing a claim for damages or criminal proceedings, this cover ensures that you’ll be properly defended.
Legal information
AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be – info@aginsurance.be – Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
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