Decennial Liability (Posthumous)

Long-term protection for construction quality and legal compliance.
“A building stands for decades —
EIS Broker ensures your liability stands secure.”

Overview
The Decennial Liability Policy, also known as the Posthumous Ten-Year Guarantee , is a mandatory insurance for property developers and construction companies under Article 1669 of the Italian Civil Code.
It guarantees the buyer that, for ten years after completion, the builder is insured against structural defects or major construction failures that compromise the stability or safety of the building.
EIS Broker oOers Decennial Liability solutions compliant with Italian and EU standards, protecting both developers and buyers in every real estate transaction.
“From completion to comfort —
our protection lasts a decade beyond delivery.”

Coperture principali
• Danni materiali da difetti di costruzione;
• Crollo totale o parziale dell’edificio;
• Gravi difetti che compromettono stabilità e sicurezza;
• Danni da infiltrazioni o vizi costruttivi coperti.

Regulatory Framework
EIS Broker’s Decennial Liability policies comply with:
• Article 1669 – Italian Civil Code – Builder’s liability for structural defects;
• Legislative Decree 122/2005 (Law 210/2004) – Buyer protection for properties under construction;
• Ministerial Decree 154/2022 – Technical and financial requirements for Decennial Guarantees;
• IVASS Regulation No. 40/2018 – Insurance intermediation and compliance;
• EU Directive 2014/24/EU – Public procurement and construction standards.
Policies are issued exclusively through IVASS-authorized insurance companies recognized by notarial and banking authorities.

Who It’s For
• Developers and construction companies completing residential or commercial projects;
• Builders selling properties before or after completion;
• Buyers and notaries requiring legal compliance under Italian law;
• Lenders and investors seeking additional protection for financed projects. “A guarantee that builds trust —
the legal foundation of every sale.”

Coverage Scope
• Structural collapse or major defects compromising stability or safety;
• Imperfections in construction materials causing long-term damage;
• Hidden defects not visible at the time of sale;
• Reconstruction, repair, and consequential loss costs. Optional extensions:
• Non-structural elements (facades, waterproofing, insulation);
• Mechanical systems;
• Legal expenses for expert evaluations.

Key Benefits
• Mandatory for all new residential constructions sold in Italy;
• Accepted by notaries, banks, and public authorities;
• Ensures protection for both developer and buyer;
• Strengthens builder credibility in the real estate market;
• Simplified underwriting and fast issuance.
“EIS Broker — ensuring peace of mind for a decade of ownership.”

Documents Required
To request a Decennial Liability Policy, please provide:
• Building permit and technical project documentation;
• Certificate of completion or habitability;
• Structural design report and geotechnical tests;
• Developer’s registration (Chamber of Commerce extract);
• Tax ID and ID of the legal representative;
• Estimated reconstruction value;
• Completed EIS Broker Application Form.

Request a Decennial Liability Quotation
(Your request will be securely sent to ba********@*******er.it)