Buildings and construction of economic value is a national wealth, and therefore enter the legislature to establish rules governing all the interconnections arising therefrom, and these rules laid down in the law directing and organizing construction.
However, that concerns us in this partial provisions relating to insurance of responsibility (insurance of the obligation to compensate) and listed by Article (8) of the Act ([1]), however, may exchange a license for construction work worth ten thousand pounds or more but After applicant to submit an insurance policy covering civil liability of engineers and contractors for damage to the building owner or third parties during the implementation period.
First of all draw attention to the fact that this insurance is limited to liability for damage that occurs during construction operations exclusively, where the existing contractor or architect to the cost of the employer.
We address the urgency of the provisions of this insurance through the following points:
1 - a party to the insurance contract:
The legislator has enjoined the applicant building, providing an insurance policy to be concluded between him and the insurer (insurance company).
2 - Business insurance must:
The applicant shall enter into the insurance policy for the business worth ten thousand pounds (10,000 pounds) or more.
3 - the beneficiary of the insurance contract:
Select legislator beneficiaries of the insurance policy they are employer and others .
4 - covered by liability insurance:
This insurance covers the civil liability of contractors and engineers for damage to the building owner or third parties during the period of the implementation of the construction works .
5 - damage covered by insurance:
Insurance covers damage to buildings and physical damage and physical-party risks, during the period of the implementation of the construction works.
6 - damage not covered by insurance:
Do not fall within the scope of this damage insurance within the scope of the ten-year warranty engineer and contractor in the case kidney التهدم or partial or defect which threatens the durability and safety of construction, during the ten years following the date of delivery of the construction of buildings or employer . And excludes - also - from the scope of this damage insurance contractor workers, as these are subject to the provisions of the Law on Social Insurance in the case of exposure to a work injury (work accident or occupational disease) . As well as self-harm caused to the employer .
7 - the period covered by insurance:
This insurance does not cover only the period in which they are implementing construction works, it does not cover the period prior or subsequent to that .
8 - the amount of compensation (the amount of insurance):
Damage covered by insurance and select multiple legislator value of each type of compensation as follows:
- Damage to the construction work is estimated compensation value reached by these acts, if the value of these businesses up - for example - to 5000 and happened destroyed her kidneys, this is the value that is compensated .
- Damage to non-compensated money - well - as much value as they happen . For example, if the value at the time of the accident ten thousand pounds, becomes the recoverable value of compensation even if they are less than that before this time .
- Self-harm caused to third parties, the amount of compensation for specific up to a maximum of two million pounds (2,000,000 pounds) per incident, provided they do not exceed the amount of compensation per person for such damages the amount of one hundred thousand pounds (100,000 pounds).
- Self-harm caused to the employer does not enter the legislature in the scope of this insurance .
In light of the above statement it is clear that civil liability engineer and the contractor for damages that occur in the process of construction for buildings and installations covered by the insurance provided for by the legislation directing and organizing construction.
([1]) Article (8) of Law No. 106 of 1976 amended فقرتيها fifth and sixth law No. 101 of 1996, however, may exchange building permit or start implementation for business worth ten thousand pounds or more only after the present applicant and insurance, do not enter the insurance value within the cost of which is estimated on the basis of rental of premises.
The document covers civil liability insurance for engineers and contractors for damage to the building owner or a third party during the implementation period, except for workers, contractors, and covering their liability otherwise stipulated warranty period In Article 651 of the Civil Code as well as the damage that occurs during this period because of what is happening in the buildings and facilities of destroying in whole or in part, or what there is of defects threaten the durability and safety
The maximum insured to pay for the buildings worth of work. For the material and physical damage that affects others in the amount of one hundred pounds for one accident, liability shall not exceed the insured before the person for physical damage amount of five thousand pounds.
The maximum insured to pay for the material and physical damage-party risks in the amount of two million pounds per incident Liability shall not exceed the insured before the person for physical damage amount of one hundred thousand pounds.
= The decision is issued by the Minister of Economy in agreement with the Minister of Housing rules governing such insurance and conditions, and restrictions and conditions and situations where the insured the right to refer the charge for damages, also includes decision-insurance premium due performance person binding him, not to exceed the premium and 5.% (Half per cent) of the value of business licensed premium is calculated on the basis of the maximum potential loss for projects of special nature and by a decision of the Minister of Housing in agreement with the Minister of Economy."
التسميات
Liability Insurance