Professional RC: what coverage it is and how it works

THE professional civil liability policies they are essential to cover damages resulting from any negligence committed by the professional.

In fact, it can happen that a doctor, a lawyer, an architect makes a mistake in the practice of the profession towards his patient or client and it is therefore important to be able to protect oneself.

The Professional RC policy therefore has the purpose of ensure maximum safety and peace of mind both for the professional himself and for the client.

How does it work?

The operation of this policy is identical to that of any other type of insurance. In fact, in the event of damage caused, whoever stipulates this contract is covered by the company with which he is insured which takes charge of pay any damages. But generally not all risks are included in the coverage. The main ones that are covered in this type of policy are three:

• Negligence, that is, those errors that are caused by inattention or carelessness
• Incompetence, that is, when certain activities are carried out without having specific technical skills
• Imprudence, or when one practices the profession in an impulsive and imprudent manner.

Is it mandatory?

As of August 15, 2013 it is It is mandatory for all professionals registered in an order or register to take out professional civil liability insurance. The details of this policy and any variations must be communicated to the customer and to the order to which it refers. The professional cannot take on an assignment from the client until the insurance coverage is activated.

The recipients of this particular type of policy can be grouped into three categories:

• Technique
• Health doctor
• Legal economic.

But let’s look at some of them in detail together

RC Architects

Professional insurance for architects must be taken out by all self-employed professionals, but also by collaborators who carry out their activities on behalf and in the name of an associated firm as external architects.

In short, the obligation to sign a professional liability insurance policy for architects concerns all those professionals who put their signature on a project and are therefore directly responsible towards the client for the work carried out.

RC engineers

Also for this profession there is an obligation to take out a professional liability insurance policy.

An obligation that concerns both those who practice the freelance profession and associated firms. It covers damages resulting from your work and also if the professional takes on the role of director of worksfor example in the case in which he has given incorrect instructions to the workers working on the construction site and such instructions have caused damage to the client or third parties.

The company is required to cover damages even if there has been anfailure to comply with safety rules in the workplace.

RC geometries

One of the most common mistakes that a surveyor can make is to incorrectly evaluate cadastral data, such as the legal distances between buildings. These types of errors, however, are often due to incomplete or incorrectly updated cadastral data. Therefore, the customer could decide to sue the surveyor or ask for damages. If the surveyor has taken out a professional surveyors’ liability insurance policy, this will cover the damages requested.

RC Remarks

With the renewal of the Superbonus, the topic of RC Asserzioni has had increasingly more relevance in recent times.

The possibility of completely reducing the costs necessary to renovate and improve your home has pushed many to use the 110% Superbonus. But behind these advantages there are also elements to pay attention to: qualified professionals have the task of ensuring that all constraints are respected, including issuing a specific certification, called Asseveration.
But what happens if an error is made in the certification or false information is entered? The responsibilities will not only fall on the owner but also, and above all, on the professional who may incur heavy sanctions. To better manage the sworn statements and protect yourself from any problem, the best option is to protect yourself from the risks associated with adequate coverage.