In a sector where even the smallest defect can be costly, building professionals must protect themselves. That’s where APRIL Construction’s ten-year civil liability insurance comes in, designed to meet the needs of contractors, whether they are just starting out or already experienced.
Since the Spinetta Law of 1978, all professionals involved in construction are legally required to provide a ten-year guarantee against damage that compromises the solidity of the structure or renders it unfit for its intended purpose. This legal framework makes civil liability and ten-year liability insurance a cornerstone for builders.
As such, this liability translates into the need to take out April RCD coverage. APRIL Pro, through APRIL Construction, has established itself as one of the leading players for both start-ups and established companies, offering accessible solutions designed to support craftsmen over the long term.
The importance of ten-year civil liability
Ten-year insurance represents a long-term commitment to the customer. A defect such as water infiltration or a fault that renders a building unusable can result in costly repairs.
Craftsmen who do not have adequate coverage may have to finance the corrective work themselves, putting their business at risk.
In a sector where trust between the professional and the client is essential, ten-year civil liability insurance also becomes a factor in credibility. It reassures the client and the contractor and clarifies the responsibilities of each party in the event of a dispute or technical incident.
APRIL Construction has therefore developed a package specifically designed for contractors who are starting their business and whose annual turnover does not exceed €500,000. The aim is to enable professionals who are just starting out to secure their first projects without having to deal with complex administrative procedures.
The insurance covers ten-year civil liability, standard civil liability, and damage that may occur during the execution of the work.
APRIL is not limited to start-ups: tradespeople with several years of experience can access packages tailored to larger contract volumes. The contract can evolve according to the insurance history, turnover, and nature of the work carried out. This adaptability has become essential as construction companies face increasingly varied technical demands.
An offer that evolves with the market
The construction sector is undergoing profound changes, with, for example, the rise of wood-frame construction, the widespread installation of photovoltaic panels, and the proliferation of electric charging stations.
All of this has given rise to new professions and new skills, which have led to new packages adapted by the insurer. This development confirms the insurer’s desire to offer policies that reflect the economic reality of tradespeople.
Furthermore, choosing ten-year civil liability insurance is not just a matter of selecting a pricing package. Tradespeople must ensure that their certificate is always up to date so that they can present it to a project owner or client at any time.
The deductible chosen directly affects the portion of costs to be incurred in the event of a claim. As the business grows and its revenue increases, it is recommended that the policy be reevaluated in order to adjust compensation limits and coverage levels.
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Featured photo: Unsplash
