PROFESSIONAL LIABILITY OF PERSONS PERFORMING CERTIFICATION AND / OR ENERGY EFFICIENCY SERVICES
Professional responsibility of persons performing energy efficiency certification and/or survey
Compulsory insurance pursuant to Article 23, para 1 of the Energy Efficiency Act – Audit for energy efficiency and certification of buildings. As well as an audit for energy efficiency of industrial systems, Acc. Art. 34, para 1 of the Energy Efficiency Act.
Who is obliged to take out the insurance?
This type of insurance is obliged to conclude any natural or legal person who meets the requirements of Article 23, para 1 and/or Article 34, para 1 of the Energy Efficiency Act /SEE/.
Audit for energy efficiency and certification of buildings, acc. Art. 23, para 4 of the Energy Efficiency Act;
Audit for energy efficiency of industrial systems, acc. Art. 34, para 4 of the Energy Efficiency Act;
What insurance protection does insurance provide?
The insurance shall cover the liability of the person specified in the policy for the damage resulting from a faulty failure to fulfil his professional obligations and/or the obligations of his staff in carrying out:
Audit for energy efficiency and certification of buildings, acc. 23, para 1 of the Energy Efficiency Act;
Audit for energy efficiency of industrial systems, acc. Art. 34, para 1 of the Energy Efficiency Act;
The insurer shall examine and indemure claims brought against the Insured for the first time in writing during the term of the insurance, provided that the events on the basis of which the claims are made have occurred after the start date of the insurance.
In addition to the directly caused damages, “DZI – Non-Life Insurance” EAD includes in the insurance compensation and all legal costs incurred by the Insured when the action against him has been brought in court, such as legal defense costs, legal fees and fees for experts.
What are and how are liability limits set?
The scope of the insurance protection provided by the Insurer is determined not only by the risks covered, but also by the amount it will pay in the event of an insurance event occurring. This is the amount indicated by the insured for which he wishes to take out the insurance and in the policy it is reflected as a limit of liability.
The limit of liability for an event is the maximum amount within which the Insurer will indemnest all damages caused by an insurance event. The limit for all events (also called the aggregate limit) is the total amount that the Insurer will pay for all insurance events occurring during the term of the insurance.
Insurance premium (the cost of insurance)
The insurance premium is determined according to the chosen limit of liability, the scope of the insurance cover and the duration of the insurance.