Member State Type of insurance Legislation/legal provision Reference of the Official Journal Particulars which must be given in the certificate

BELGIUM 1. Architects and entrepreneurs Legislation/Legal provision: Law of 26 June 1963 creating an association of architects Article 8, § 2(2) (15 July 1963) Reference of the official journal: Moniteur belge of 5 July 1963 Article 8, § 2(2), (3) and (4) Where nationals of Member States move, under the freedom to provide services, to Belgium for the first time to exercise the profession of architect on a temporary and occasional basis, they must inform the Association of Architects in advance by written declaration containing information on insurance cover or other means of personal or collective protection in respect of professional liability, and including in particular a professional indemnity insurance certificate, including ten-year liability. That certificate may be issued by an insurance provider in another Member State if it states that the insurer has complied with the laws and regulations in Belgium as regards the detailed rules and scope of cover. Those nationals shall be registered by the Association of Architects in the register of service providers. The declaration shall be renewed annually if the service provider intends to provide temporary or occasional services in Belgium during the year in question. The service provider may give the declaration by any means. At the time of the first provision of services or if there is a material change, that declaration must be accompanied by: […] (2) a certificate attesting that the holder has one of the diplomas, certificates or other evidence of formal qualifications referred to in Article 1 §§ 2 to 2/3 of the Law of 20 February 1939 on the protection of the title and profession of architect.

2. Hunting Legislation/Legal provision: Royal Decree of 15 July 1963 on compulsory insurance against civil liability for the purpose of obtaining a permit to carry a hunting weapon or a hunting licence (Article 1) (1 January 1964) Reference of the official journal: Moniteur belge of 3 August 1963 Article 4(1) The insurer, its legal representative or its contact point in Belgium shall issue the insured person with an insurance certificate indicating the dates when the cover takes effect and expires and certifying that it is granted under the conditions laid down in this Decree.

3. Hunting Legislation/Legal provision: Decree of the Flemish Government of 25 April 2014 concerning the administrative organisation of hunting in the Flemish Region (Article 19) (1 July 2014) Reference of the official journal: Moniteur belge of 12 June 2014 Article 20 The insurer, its legal representative or its contact point in Belgium shall issue the insured person with an insurance certificate indicating the dates when the cover takes effect and expires and certifying that it is granted under the conditions laid down in this Decree.

4. Environment Legislation/Legal provision: Law of 12 July 2009 approving the International Convention on Civil Liability for Bunker Oil Pollution Damage of 2001, and the Annex, done in London on 23 March 2001 (Article 7.1 of the Convention) (9 November 2009) Reference of the official journal: Moniteur belge of 3 October 2009, Second edition Article 7(2) A certificate attesting that insurance or other financial security is in force in accordance with the provisions of this Convention shall be issued to each ship after the appropriate authority of a State Party has determined that the requirements of paragraph 1 have been complied with. With respect to a ship registered in a State Party such certificate shall be issued or certified by the appropriate authority of the State of the ship's registry; with respect to a ship not registered in a State Party it may be issued or certified by the appropriate authority of any State Party. This certificate shall be in the form of the model set out in the annex to this Convention and shall contain the following particulars: (a) name of ship, distinctive number or letters and port of registry; (b) name and principal place of business of the registered owner; (c) IMO ship identification number; (d) type and duration of security; (e) name and principal place of business of insurer or other person giving security and, where appropriate, place of business where the insurance or security is established; (f) period of validity of the certificate which shall not be longer than the period of validity of the insurance or other security.

5. Establishments open to the public Legislation/Legal provision: Royal Decree of 5 August 1991 implementing Articles 8, 8bis and 9 of the Law of 30 July 1979 (1 March 1992) Reference of the official journal: Moniteur belge of 30 August 1991 Article 7 When concluding an insurance contract, the insurance undertaking shall issue to the policyholder a certificate, a model of which is set out in the Annex. A duplicate of the certificate shall be sent to the mayor of the municipality in which the establishment accessible to the public is located.

6. Nuclear facility Legislation/Legal provision: Law of 22 July 1985 on civil liability in the field of nuclear energy (Articles 8(1) and 10(1)) (10 September 1985) Reference of the official journal: Moniteur belge of 31 August 1985 Article 15 Any carrier of nuclear substances shall be in possession of a certificate issued by or on behalf of the insurer or the financial guarantor who has furnished the security attesting that the provisions of Article 8 are complied with. That certificate must meet the conditions laid down in Article [1 4 d(1)] of the Paris Convention. The King shall determine the detailed rules for the implementation of this Article. Article 4(c) of the Paris Convention (c) The operator liable in accordance with this Convention shall provide the carrier with a certificate issued by or on behalf of the insurer or other financial guarantor furnishing the security required pursuant to Article 10. However, a Contracting Party may exclude this obligation in relation to carriage which takes place wholly within its own territory. The certificate shall state the name and address of that operator and the amount, type and duration of the security, and these statements may not be disputed by the person by whom or on whose behalf the certificate was issued. The certificate shall also indicate the nuclear substances and the carriage in respect of which the security applies and shall include a statement by the competent public authority that the person named is an operator within the meaning of this Convention.

7. Mediation Legislation/Legal provision: Royal Decree of 25 March 1996 implementing the Law of 27 March 1995 on insurance and reinsurance mediation and insurance distribution (Article 3(4) and (5)) (3 April 1996) Reference of the official journal: Moniteur belge of 3 April 1996 Article 3 In order to make a valid request for entry in the register of insurance and reinsurance intermediaries, the applicant, if a natural person, must attach the following documents to that application: […] (4) (a) a certificate issued by the insurance undertaking or credit institution which, in accordance with Chapter VI of this Decree, granted a security or bank guarantee; (b) for insurance or reinsurance intermediaries which are exempt from the obligation of a security or bank guarantee, a document attesting that the insurance undertaking, the reinsurance undertaking, the insurance intermediary or the reinsurance intermediary for which they act undertakes to take action if the insurance and reinsurance intermediaries are in default; (5) (a) a certificate issued by the insurance undertaking with which, in accordance with Chapter VII of this Decree, professional indemnity insurance has been taken out; (b) for insurance or reinsurance intermediaries who are exempt from taking out professional indemnity insurance, a certificate issued by insurance undertakings, reinsurance undertakings or other insurance or reinsurance intermediaries, including credit institutions, for whom or on behalf of whom they act, confirming that they assume liability for the insurance and reinsurance intermediaries.

8. Mediation Legislation/Legal provision: Royal Decree of 17 February 2005 governing the registration of persons who carry on activities involving the amicable recovery of debts and the guarantees such persons must have (Article 2 § 1 (3)) (1 April 2005) Reference of the official journal: Moniteur belge of 16 March 2005 Article 3 §2 The debt collector must submit, together with the request for registration, the number of the undertaking or the data which provides the information referred to in Article 2 § 1(1)(2) of the Decree if the debt collector is established in another Member State of the European Union, and a certificate from the insurance company with which the debt collector has taken out professional liability insurance, where it is expressly mentioned that the insurance contract satisfies the conditions set out in the Decree. At the request of competent officials of the Directorate-General for Regulation and Organisation of the Market of the Federal Public Service Economy, SMEs, Self-Employed and Energy, the debt collector is required to provide them with a copy of the insurance contract and to adduce proof that the premium has been paid.

9. Mediation Legislation/Legal provision: Royal Decree of 1 July 2006 implementing the Law of 22 March 2006 on banking and investment services mediation and the distribution of financial instruments (Article 11) (1 July 2006) Reference of the official journal: Moniteur belge of 6 July 2006 Article 3(4) In order to make a valid request for entry in the register of banking and investment services intermediaries, the applicant, if a natural person, must attach the following documents to that application: […] (4) a certificate issued by the insurance company with which professional liability insurance has been taken out in accordance with the provisions of Chapter V, which shows that the insurance satisfies the conditions set out in Article 11; for banking and investment services intermediaries which are exempt, pursuant to Article 8(1)(5) of the Law, from the obligation to take out professional indemnity insurance, a certificate issued by the regulated undertaking or undertakings for which they act, and in which the undertaking or undertakings state(s) that they irrevocably and unconditionally assume the obligations of the intermediary as regards liability.

10. Mediation Legislation/Legal provision: Royal Decree of 8 July 2014 implementing the Law of 25 April 2014 on the status and control of independent financial planners and the supply of financial planning consultations by regulated undertakings and amending the Company Code and the Law of 2 August 2002 on the supervision of the financial sector and financial services (Article 9) (1 November 2014) Reference of the official journal: Moniteur belge of 18 August 2014 Article 3(4) In order to make a valid request for authorisation as an independent financial planner, the applicant, if a natural person, must transmit to the FSMA the following documents and information: […] (4) a certificate issued by the insurance company with which professional liability insurance has been taken out, which shows that the insurance satisfies the conditions set out in Article IV; Article 4(6) In order to make a valid request for authorisation as an independent financial planner, the applicant, if a legal person, must transmit to the FSMA the following documents and information: […] (6) a certificate issued by the insurance company with which professional liability insurance has been taken out, which shows that the insurance satisfies the conditions set out in Article IV.

11. Mediation Legislation/Legal provision: Royal Decree of 29 October 2015 implementing Title 4, Chapter 4 of Book VII of the Code on Economic Law (Article 11) (1 November 2015) Reference of the official journal: Moniteur belge of 5 November 2015 Article 4(11) Without prejudice to the right of the FSMA to request the additional information it deems necessary to assess the file, in order to make a valid request for approval as a lender, the applicant shall include the following information in the request and attach the following documents: […] (11) an indication of whether or not the lender will exercise the activity of credit intermediary and, where appropriate, a certificate issued by the insurance undertaking with which professional indemnity insurance has been taken out in accordance with Article VII.180 § 2(1)(4) and/or Article VII.184 § 1(2)(4) of the Code on Economic Law, which shows that that insurance meets the conditions laid down in Chapter IV; Article 7(10) Without prejudice to the right of the FSMA to request the additional information it deems necessary to assess the file, in order to make a valid request for registration as a credit intermediary in the category of loan brokers, tied agents or sub-agents, the applicant, if a natural person, must include the following information in the request and attach the following documents: […] (10) subject to the provision in Article 11, a certificate issued by the insurance undertaking with which professional indemnity insurance has been taken out in accordance with Article VII.181 § 1(1)(3) and/or Article VII.186 § 1(1)(3) of the Code on Economic Law, which shows that that insurance meets the conditions laid down in Chapter IV; Article 9(7) Without prejudice to the right of the FSMA to request the additional information it deems necessary to assess the file, in order to make a valid request for registration as a consumer credit intermediary in the category of ancillary agents, the applicant shall include the following information in that request and attach the following documents: (7) a certificate issued by the insurance undertaking with which professional indemnity insurance [has been taken out].

12. Safety and security Legislation/Legal provision: Royal Decree of 2 September 2013 determining the conditions for obtaining authorisation as a maritime safety undertaking (Article 3(3)) (4 October 2013) Reference of the official journal: Moniteur belge of 30 January 2013 Article 3(3) The request for authorisation from an undertaking having a place of business in Belgium shall contain the following documents and information: […] (3) a valid insurance certificate concerning the civil and contractual liability insurance of the maritime safety undertaking, as provided for by Article 3 of the Law, for which the model is laid down by the Royal Decree of 27 June 1991 laying down the arrangements for the civil liability insurance of security undertakings, internal security undertakings and maritime safety undertakings.

13. Safety and security Legislation/Legal provision: Royal Decree of 12 November 2017 laying down the arrangements for the civil liability insurance of security undertakings, internal security undertakings and maritime safety undertakings (Article 3) (24 November 2017) Reference of the official journal: Moniteur belge of 24 November 2017 Article 2 If the policyholder is a security undertaking or a legal or natural person organising an internal security service or a security service, they shall send the administration, when concluding an insurance contract, an insurance certificate drawn up in accordance with the model in Annex 1. If the policyholder is a maritime security undertaking, it shall send the administration, when concluding an insurance contract, an insurance certificate drawn up in accordance with the model in Annex 2.

14. Waste heaps Legislation/Legal provision: Ministerial Decree of 22 October 1985 adopting the form and laying down the content of applications for permits to recover waste heaps (Article 6(1), last subparagraph) (18 November 1985) Reference of the official journal: Moniteur belge of 8 November 1985 Article 6(1), last subparagraph A statement by a Company that the applicant has civil liability insurance, covering all personal injury and damage to property which may be caused by the planned activity.

15. Transport Legislation/Legal provision: The Nairobi International Convention on the Removal of Wrecks (Article 12(1)) (28 July 2017) Reference of the official journal: Moniteur belge of 18 July 2017 Article 12(2)(5) (2) A certificate attesting that insurance or other financial security is in force in accordance with the provisions of this Convention shall be issued to each ship of 300 gross tonnage and above by the appropriate authority of the State of the ship's registry after determining that the requirements of paragraph 1 have been complied with. With respect to a ship registered in a State Party, such certificate shall be issued or certified by the appropriate authority of the State of the ship's registry; with respect to a ship not registered in a State Party it may be issued or certified by the appropriate authority of any State Party. This compulsory insurance certificate shall be in the form of the model set out in the annex to this Convention, and shall contain the following particulars: (a) name of the ship, distinctive number or letters and port of registry; (b) gross tonnage of the ship; (c) name and principal place of business of the registered owner; (d) IMO ship identification number; (e) type and duration of security; (f) name and principal place of business of insurer or other person giving security and, where appropriate, place of business where the insurance or security is established; and (g) period of validity of the certificate, which shall not be longer than the period of validity of the insurance or other security.

16. Transport Legislation/Legal provision: Walloon Government Decree of 3 June 2009 implementing the Decree of 18 October 2007 on taxi services and car hire services with driver (Article 4 §1(3) and (127)) (8 September 2009) Reference of the official journal: Moniteur belge of 8 September 2009 Article 4 §2, third indent The applicant shall justify its solvency, […] — for the requirement contained in § 1 (3), by a certificate from the insurance company concerned. Article 27(4) All vehicles must have on board at least the following documents: […] (4) a certificate issued by the insurer confirming that the vehicle is insured for the transport of passengers in return for payment, in accordance with the model set out in Annex 3 to this Decree.

17. Transport Legislation/Legal provision: Law of 30 January 2012 governing the matters referred to in Article 78 of the Constitution on the insurance of shipowners for maritime claims (Article 5) (12 March 2012) Reference of the official journal: Moniteur belge of 2 March 2012 Article 7 The existence of the insurance referred to in Article 5 shall be proved by one or more certificates issued by its provider and carried on board the ship. The certificates issued by the insurance provider shall include the following information: (1) name of ship, its IMO number, and port of registry; (2) shipowner's name and principal place of business; (3) type and duration of the insurance; (4) name and principal place of business of the provider of the insurance and, where appropriate, the place of business where the insurance is established.

18. Transport Legislation/Legal provision: Law of 26 November 2012 approving the 2002 Protocol to the Athens Convention relating to the Carriage of Passengers and their Luggage by Sea, 1974, done at London on 1 November 2002 (Article 4bis(1) Conventions of 13 December 1974) (21 April 2014) Reference of the official journal: Moniteur belge of 11 April 2014 Article 4bis(2) A certificate attesting that insurance or other financial security is in force in accordance with the provisions of this Convention shall be issued to each ship after the appropriate authority of a State Party has determined that the requirements of paragraph 1 have been complied with. With respect to a ship registered in a State Party, such certificate shall be issued or certified by the appropriate authority of the State of the ship's registry; with respect to a ship not registered in a State Party it may be issued or certified by the appropriate authority of any State Party. This certificate shall be in the form of the model set out in the annex to this Convention and shall contain the following particulars: (a) name of the ship, distinctive number or letters and port of registry; (b) name and principal place of business of the carrier who actually performs the whole or a part of the carriage; (c) IMO ship identification number; (d) type and duration of security; (e) name and principal place of business of insurer or other person providing financial security and, where appropriate, place of business where the insurance or other financial security is established; and (f) period of validity of the certificate, which shall not be longer than the period of validity of the insurance or other financial security.

19. Transport Legislation/Legal provision: Royal Decree of 22 May 2014 relating to the carriage of passengers by road (Article 35 §1(2)) (1 September 2014) Reference of the official journal: Moniteur belge of 15 July 2014 Article 35 §1(2) The financial capacity referred to in Article 17 § 2 of the Law shall be proved by means of a certificate from one or more of the following bodies, showing that the body concerned gave the undertaking a joint and several guarantee: […] (2) an insurance undertaking authorised in accordance with the Law of 9 July 1975 on the supervision of insurance undertakings.

20. Transport Legislation/Legal provision: Royal Decree of 16 April 2018 fixing the conditions on compulsory insurance against civil liability in respect of the use of motor vehicles (12 May 2018) Reference of the official journal: Moniteur belge of 02 May 2018 Article 4 The insurance certificate referred to in Article 7 § 1 of the aforementioned Law of 21 November 1989 must state that a guarantee is given at least for events occurring on the territory: (1) of all States referred to in Article 3(1) of the Royal Decree of 13 February 1991 on the entry into force and implementation of the Law of 21 November 1989 on compulsory insurance against civil liability in respect of the use of motor vehicles, and: (2) of Morocco; (3) of Tunisia; and (4) of Turkey.

BULGARIA 1. Compulsory Accident insurance for passengers in public transport vehicles Legislation/Legal provision: Article 35 of The Ordinance 49 of 16.10.2014 г. on the Compulsory Insurance Pursuant to Items 2 of Article 461 of the Insurance Code and on the Procedure of Settlement of Claims for Compensation of Damages Caused to Motor Vehicles. Reference of the official journal: Code on Insurance (Promulgated, SG No. 102/29.12.2015, p. 195) (effective as of 1.01.2016; amended, SG No. 24/16.03.2018, SG No. 27/27.03.2018) Content of the insurance certificate: — the insurer business name; — the insurer's registered office and address of the place of management, insurers from third countries operating through a branch in the Republic of Bulgaria also indicating the registered office and address of the place of management of the insurer in the third country and of the branch in the Republic of Bulgaria; — the number of the act of the competent authority whereby a license has been issued for practicing insurance activity, insurers from third countries operating through a branch in the Republic of Bulgaria quoting the number of the act of the competent authority by registered office of the insurer in the third country and of the competent authority in the Republic of Bulgaria; — Unified Identification Code (UIC) for insurers with registered office in the Republic of Bulgaria, respectively registration number in the commercial or other similar register of insurers with registered office in a Member State or a third country; — the name and address, respectively business name, registered office, address of the place of management and the UIC of the passenger transport company with public transport means; — the name and address, respectively business name, registered office, address of the place of management and the UIC of the policyholder; — a serial number of the policy; — subject of the insurance contract; — covered insurance risks; — term of the contract, including the commencement and the termination date of the insured period and the period of the insured coverage; — insurance amount or the method of its determination; — the insurance premium or the method of its determination and the terms and conditions for its payment; — the names and address of the insurance intermediary, if the contract is concluded through an intermediary, and in case of insurance agents – also the number of their identification document; — the date and place of conclusion of the contract; — the signatures of the parties; — term of insurance validity (Article 35 of the Ordinance 49).

2. Compulsory third party liability insurance of the tour operator Legislation/Legal provision: Article 84, paragraph 1, item 3 of the Tourism Act Reference of the official journal: Tourism Act, Promulgated, State Gazette No. 30/26.03.2013, p. 3 effective as of 26.03.2013; amended and supplemented, SG No. 37/4.05.2018, effective as of 4.05.2018) Content of the insurance certificate: — Name, legal seat and seat of management, address and telephone number of the insurer; — Insurance cover; — Sum insured; — Number of insurance policy; — Date of the insurance policy.

3. Compulsory insurance covering the liability of the trader facilitating the provision of linked travel arrangements Legislation/Legal provision: Article 84, paragraph 1, item 3 of the Tourism Act Reference of the official journal: Tourism Act, Promulgated, State Gazette No. 30/26.03.2013, p. 3) (effective as of 26.03.2013; amended and supplemented, SG No. 37/4.05.2018, effective as of 4.05.2018) Content of the insurance certificate: — Name, legal seat and seat of management, address and telephone number of the insurer; — Insurance cover; — Sum insured; — Number of insurance policy; — Date of the insurance policy.

4. Compulsory ship insurance of a chartered vessel Legislation/Legal provision: Article 259, para. 1 of the Merchant Shipping Code Reference of the official journal: Merchant Shipping Code, Promulgated, State Gazette No. 55/14.07.1970, and No. 56/17.07.1970 (effective as of 1.01.1971; amended, SG No. 28/29.03.2018) The insurance policy (the insurance certificate) shall contain clauses regarding: (1) the subject of insurance (the insurable interest), in the event of carriage of goods- the name of the vessel; (2) the insured amount; (3) the perils covered; (4) the period of the insurance; (5) the voyage and the intermediate ports at which the vessel will call before the port of destination; (6) place and date of issue of the policy; (7) the insurance taker; (8) designation of the insurer and signature of the representative thereof.

5. Obligatory insurance against maritime perils of the vessel mortgagor Legislation/Legal provision: Article 259, para. 1 of the Merchant Shipping Code Reference of the official journal: Merchant Shipping Code, Promulgated, State Gazette No. 55/14.07.1970, and No. 56/17.07.1970 (effective as of 1.01.1971; amended, SG No. 28/29.03.2018) The insurance policy (the insurance certificate) shall contain clauses regarding: (1) the subject of insurance (the insurable interest), in the event of carriage of goods- the name of the vessel; (2) the insured amount; (3) the perils covered; (4) the period of the insurance; (5) the voyage and the intermediate ports at which the vessel will call before the port of destination; (6) place and date of issue of the policy; (7) the insurance taker; (8) designation of the insurer and signature of the representative thereof.

6. Compulsory third party liability insurance of the charterer of a vessel Legislation/Legal provision: Article 259, para. 1 of the Merchant Shipping Code Reference of the official journal: Merchant Shipping Code, promulgated, State Gazette No. 55/14.07.1970, and No. 56/17.07.1970 (effective as of 1.01.1971; amended, SG No. 28/29.03.2018) The insurance policy (the insurance certificate) shall contain clauses regarding: (1) the subject of insurance (the insurable interest), in the event of carriage of goods- the name of the vessel; (2) the insured amount; (3) the perils covered; (4) the period of the insurance; (5) the voyage and the intermediate ports at which the vessel will call before the port of destination; (6) place and date of issue of the policy; (7) the insurance taker; (8) designation of the insurer and signature of the representative thereof.

7. Obligatory insurance for maritime claims for the vessel Legislation/Legal provision: Article 259, para. 1 of the Merchant Shipping Code Reference of the official journal: Merchant Shipping Code, promulgated, State Gazette No. 55/14.07.1970, and No. 56/17.07.1970 (effective as of 1.01.1971; amended, SG No. 28/29.03.2018) Content of the insurance policy (the insurance certificate): — the insurance policy (the insurance certificate) shall contain clauses regarding: (1) the subject of insurance (the insurable interest), in the event of carriage of goods- the name of the vessel; (2) the insured amount; (3) the perils covered; (4) the period of the insurance; (5) the voyage and the intermediate ports at which the vessel will call before the port of destination; (6) place and date of issue of the policy; (7) the insurance taker; (8) designation of the insurer and signature of the representative thereof.

CZECHIA — —

DENMARK 1. Consultant's indemnity liability: Auditors (revisorer) Legislation/Legal provision: § 3, para 1, no. 6 of the Danish Act on Approved Auditors and Audit Firms no. 1167 of 09/09/2016 Reference of the official journal: Offentliggørelsesdato (PUBLICATION DATE): 17-09-2016 Auditors must be approved by the Danish Business Authority which implies documentation for insurance coverage. The Danish Business Authority lay down provisions on the contents of the insurance, including extent and nature of the insurance and duration.

2. Consultant's indemnity liability: Insurance Intermediaries Legislation/Legal provision: § 3, para 2, no. 3 of the Danish Insurance Mediation Act no. 41 of 22/01/2018 Reference of the official journal: Offentliggørelsesdato: 23-01-2018 § 2, cf. § 5 of the Executive Order no. 481 of 03/05/2018 on insurance brokers, reinsurance brokers and accessory insurance provider's liability insurance, warranty and treatment of trusted funds. The broker must submit a declaration from the insurance company or bank with information on the requested indemnity insurance. The declaration form is prepared by the DFSA. By submitting this declaration, the insurance company guarantees that the indemnity insurance complies with the rules in § 2. The declaration must according to § 2 i.a. state that: — the indemnity insurance or guarantee shall ensure that the insurer or the bank is directly liable for the damages the company incurs by negligence; — the indemnity insurance covers the company's operations in all countries within the European Union and countries with which the Community has concluded an agreement within the financial territory; — the indemnity insurance or the guarantee shall include cover for a revocation of the cover sum in the event that it may depleted as a result of one or more injuries during an insurance year (policy-backed reinstatement); — the indemnity insurance or the guarantee shall cover claims for damages that are raised and reported within 3 years after termination of the insurance or the guarantee, to the extent that no new indemnity insurance has been signed in another insurance company or provided a new guarantee for the intermediary in another bank with full retroactive coverage.

3. Consultant's indemnity liability: Financial advisor Legislation/Legal provision: § 3, para 2, no. 4 of Consolidation Act on financial advisors and housing credit intermediaries no. 1079 of 05/07/2016 Reference of the official journal: Offentliggørelsesdato: 13-07-2016 § 2 of Executive Order no. 653 of 30/05/2018 on financial advisors', investments advisors and housing credit intermediaries insurance coverage, guarantee schemes and handling of entrusted funds. The financial advisor must submit a declaration from the insurance company (form prepared by DFSA) with information about the requested indemnity insurance. By submitting this declaration, the insurance company guarantees that the indemnity insurance complies with the rules in §§ 2-5, cf. § 5. The declaration must according to §§ 2-3 i.a. state that: — The liability insurance or guarantee shall ensure that the insurance company or the bank is directly liable to the injured party for the liability that a financial advisor, investment advisor or housing credit intermediary claims in the event of negligent circumstances expelled by the company or any party to whom it is liable; — The indemnity insurance covers the company's operations in Denmark; — The liability insurance or warranty shall cover claims that are raised and reported within 3 years after termination of liability insurance or warranty, insofar as no new liability insurance has been taken in another insurance company or a new guarantee for the company is given to another bank with full retroactive coverage; — The liability insurance or the guarantee shall include cover for a revocation of the cover sum in the event that it may be depleted as a result of one or more injuries during an insurance year (policy-backed reinstatement); — The sum insured is at least DKK 1 500 000 per claim per insurance year and at least DKK 3 000 000 for all claims per insurance year.

4. Consultant's indemnity liability: Housing credit intermediaries (boligkreditformidler) Legislation/Legal provision: § 3, para 2, no. 4 of Consolidation Act on financial advisors and housing credit intermediaries no. 1079 of 05/07/2016 Reference of the official journal: Offentliggørelsesdato: 13-07-2016 § 2 of Executive Order no. 653 of 30/05/2018 on financial advisors', investments advisors and housing credit intermediaries insurance coverage, guarantee schemes and handling of entrusted funds. The housing credit intermediary must submit a declaration from the insurance company (form prepared by DFSA) with information about the requested indemnity insurance. By submitting this declaration, the insurance company guarantees that the indemnity insurance complies with the rules in §§ 2-5, cf. § 5. The declaration must according to §§ 2-3 i.a. state that: — The liability insurance or guarantee shall ensure that the insurance company or the bank is directly liable to the injured party for the liability that a financial advisor, investment advisor or housing credit intermediary claims in the event of negligent circumstances expelled by the company or any party to whom it is liable. — The liability insurance or guarantee shall cover countries in the European Union and countries with which the Union has entered into a financial agreement — The liability insurance or warranty shall cover claims that are raised and reported within 3 years after termination of liability insurance or warranty, insofar as no new liability insurance has been taken in another insurance company or a new guarantee for the company is given to another bank with full retroactive coverage. — The liability insurance or the guarantee shall include cover for a revocation of the cover sum in the event that it may be depleted as a result of one or more injuries during an insurance year (policy-backed reinstatement). — A housing credit intermediary must have a liability insurance or guarantee with a cover amount of at least EUR 460 000 per claim per insurance year and at least EUR 750 000 for all claims per insurance year.

5. Consultant's indemnity liability: Ejendomskreditselskab Legislation/Legal provision: § 3, para 1, no. 5, of Consolidation Act on property credit companies no. 1023 of 30/08/2017 Reference of the official journal: Consolidation Act on property credit companies no. 1023 of 30/08/2017 Offentliggørelsesdato: 01-09-2017 Executive Order about information requirements in connection with commercial mortgages on real estate and certain mortgage dealers' treatment of entrusted funds and guarantees It is a requirement that the company (ejendomskreditselskabet), dealing with consumers, set up a separate account for the agreed funds, and that the company has secured these funds. A declaration from an approved auditor concerning the security of the funds must be submitted to the DFSA annually, cf. § 3, para 5. In order for a mortgage company to receive entrusted funds, cf. § 4-9 of the Executive Order no. 1241 of 8/11/2010 (about information requirements in connection with commercial mortgages on real estate and certain mortgage dealers' treatment of entrusted funds and guarantees), a declaration from an insurance company or bank that guarantees payment of entrusted funds is required, cf. § 10. The declaration must according to § 10 i.a. state that: — The guarantor guarantees the right to require payment of entrusted funds that can be directed against the company by a consumer who is dealing with mortgages on property with the company; — The guarantee gives the insured a direct claim against the guarantor; — The guarantee must cover claims relating to the entrusted funds during the warranty period; — The guarantee must cover at least 1 year; — The guarantee is not subject to any restrictions other than those permitted by this Executive Order.

GERMANY 1. Third-Party liability insurance Legislation/Legal provision: Section 1, 4 (2) Compulsory Insurance Act Reference of the official journal: Compulsory Insurance Act of 5 April 1965 (BGBl. I p. 213), which was last amended by Article 1 of the Ordinance of 6 February 2017 (BGBl. I p. 147) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

2. Foreign motor Vehicles Legislation/Legal provision: Section 1 Act on Third-Party Liability Insurance for Vehicles and Trailers Based Abroad Reference of the official journal: Act on Third-Party Liability Insurance for Vehicles and Trailers Based Abroad published in the BGBl. Part III, bullet number 925-2, last amended by Article 496 of the Ordinance of 31. August 2015 (BGBl. I p. 1474) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance

3. Waste transports Legislation/Legal provision: Section 7 (2) Ordinance on Transport Licences concerning third-party liability (TGv) and specific environmental impairment liability insurance Reference of the official journal: Ordinance on Transport Licences concerning third-party liability (TGv) published on 10. September 1996 in BGBl. I S. 1411 (1997, 2861), last amended by Article 5 of the law from 19. July 2007 (BGBl. I S. 1462) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

4. Air transportation companies and other keepers of aircrafts Legislation/Legal provision: Sections 2 (1) no. 3, 37 (1), 43 (1) and 50 LuftVG in conjunction with sections 102 to 104 LuftVZO Reference of the official journal: 1) Air Traffic Act as of 10. May 2007 (BGBl. I p. 698), which was last amended by Article 2 (11) of the Law of 20 July 2017 (BGBl. I p. 2808; 2018 I 472) in conjunction with 2) Air Traffic Licensing Regulation of 19. June 1964 (BGBl. I p. 370), which was last amended by Article 1 of the Ordinance of 30 March 2017 (BGBl. I p. 683) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

5. Liability for damage caused by oil in sea transport Legislation/Legal provision: Section 2 Oil Pollution Damage Act, see also Act on Liability and Compensation for Oil Pollution Reference of the official journal: Oil Pollution Damage Act of 30 September 1988 (BGBl. I p. 1770), which was last amended by Article 4 (23) of the Act of 18 July 2016 (BGBl. I p. 1666) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

6. Liability for sport boats Legislation/Legal provision: Annex 7 no. 1 to section 9 (2) no. 2 Ordinance on the rental of lake sport boats: requirements for vehicles permitted to be operated by charter certification Reference of the official journal: Ordinance on the rental of lake sport boats of 18 April 2000 (BGBl. I p. 572), which was last amended by Article 4 of the Ordinance of 3 May 2017 (BGBl. I p. 1016) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

7. Special waste gas examinations and security inspections carried out by state-approved garages Legislation/Legal provision: Section 47b (2) nos. 5 and 6 of the Regulations Authorising the Use of Vehicles for Road Traffic and annex VIIIc to the StVZO, nos. 2.8 and 2.9 Reference of the official journal: Regulations Authorising the Use of Vehicles for Road Traffic of 26 April 2012 (BGBl. I p. 679), which was last amended by Article 1 of the Ordinance of 20 October 2017 (BGBl. I p. 3723) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

8. Approval of training courses Legislation/Legal provision: Section 33 (2) no. 4 of the First Ordinance on the Explosives Act Reference of the official journal: First Ordinance to the Explosives Act in the version published on 31 January 1991 (BGBl. I p. 169), which was last amended by Article 1 of the Ordinance of 11 June 2017 (BGBl. I p. 1617) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

9. Waste transport Legislation/Legal provision: Section 7 (2) Ordinance on Transport Licences concerning third-party liability (TGv) concerning third-party liability insurance and specific environmental impairment liability insurance Reference of the official journal: Ordinance on Transport Licences concerning third-party liability (TGv) concerning third-party liability insurance and specific environmental impairment liability insurance published on 10. September 1996 in BGBl. I S. 1411 (1997, 2861), last amended by Article 5 of the law from 19. July 2007 (BGBl. I S. 1462). — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

10. Waste shipment Legislation/Legal provision: Section 7 (1) Waste Shipment Act Reference of the official journal: Waste Shipment Act of 19 July 2007 (BGBl. I p. 1462), which was last amended by Article 1 of the Act of 1 November 2016 (BGBl. I p. 2452) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

11. Product liability of pharmaceutical manufacturers Legislation/Legal provision: Sections 88 (1), 94 German Medicines Act (AMG) Reference of the official journal: German Medicines Act announced on the 12 December 2005 BGBl. (BGBl.) I p. 3394, last amended by Article 1 of the Law of 18 July 2017 (BGBl I p. 2757) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

12. Transport of dangerous goods Legislation/Legal provision: Section 3 (1) fourth sentence, Dangerous Goods Transportation Act Reference of the official journal: Dangerous Goods Transport Act of 6 August 1975 (BGBl. I p. 2121), which was last amended by Article 5 of the Law of 26 July 2016 (BGBl. I p. 1843) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

13. Operating liability for certain plans that may pose a hazard to the environment Legislation/Legal provision: Sections 19 (1) and (2) no. 1 Environmental Liability Act in conjunction with annex 2 (the regulations on coverage provisions have not yet come into force as the relevant ordinance has still to be issued.) Reference of the official journal: Environmental Liability Act of 10 December 1990 (BGBl. I p. 2634), which was last amended by Article 6 of the Law of 17 July 2017 (BGBl. I p. 2421) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

14. Operating liability for genetic facilities and the release of genetically modified organisms into the environment Legislation/Legal provision: Section 36 (1) and (2) no. 1 Genetic Engineering Act. Since no ordinance exists, provision for coverage is not mandatory yet Reference of the official journal: Genetic Engineering Act as of 16 December 1993 (BGBl. I p. 2066), which was last amended by Article 3 of the Act of 17 July 2017 (BGBl. I p. 2421) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

15. Operating liability for shooting ranges Legislation/Legal provision: Section 27 (1) Weapons Act Reference of the official journal: Weapons Act of 11 October 2002 (BGBl. I p. 3970, 4592, 2003 I p. 1957), which was last amended by Article 1 of the Act of 30 June 2017 (BGBl. I S. 2133) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

16. Social associations which have the task to find and train voluntary citizens willing to become ‘Betreuer’ [guardian of a disabled person] Legislation/Legal provision: Section 1908f (1) no. 1 Civil Code (BGB) Reference of the official journal: Civil Code as of 2 January 2002 (BGBl. I p. 42, 2909; 2003 I p. 738), most recently amended by Article 6 of the Law of 12 July 2018 (BGBl. I S. 1151) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

17. Industrial safety and health / control agencies Legislation/Legal provision: Section 21 (2) no. 1 Ordinance on Industrial Safety and Health Reference of the official journal: Ordinance on Industrial Safety and Health of 3 February 2015 (BGBl. I p. 49), which was last amended by Article 5 (7) of the Ordinance of 18 October 2017 (BGBl. I p. 3584) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

18. Guard services Legislation/Legal provision: Section 34a (2) no. 3c Industrial Code (GewO) in conjunction with section 6 (2) Ordinance on Guard Services Reference of the official journal: 1) Industrial Code as of 22 February 1999 (BGBl. I p. 202), which was last amended by Article 1 of the Act of 17 October 2017 (BGBl. I p. 3562) in conjunction with 2) Ordinance on Guard Services as of 10 July 2003 (BGBl. I p. 1378), which was last amended by Article 1 of the Ordinance of 1 December 2016 (BGBl. I S. 2692) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

19. Ground handling services at airports Legislation/Legal provision: Section 3 Ground Handling Ordinance in conjunction with annex 3 no. 2 B (6) Reference of the official journal: Ground Handling Service Ordinance of 10 December 1997 (BGBl. I p. 2885), which was last amended by Article 6 (16) of the Act of 23 May 2017 (BGBl. I p. 1228) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

20. Landfill sites Legislation/Legal provision: Section 19 (2) Landfill Ordinance requires a ‘deposit of security’ made by the owner of the landfill, but not imperatively in the form of a liability insurance. Reference of the official journal: Landfill Ordinance of 27 April 2009 (BGBl. I p. 900), which was last amended by Article 2 of the Ordinance of 27 September 2017 (BGBl. I p. 3465) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

21. Verification of weights and measures/inspection authorities Legislation/Legal provision: Section 44 Measurement and Verification Ordinance Reference of the official journal: Measurement and Verification Ordinance of 11 December 2014 (BGBl. I p. 2010, 2011), which was last amended by Article 1 of the Ordinance of 10 August 2017 (BGBl. I p. 3098) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

22. Operating liability for specialised waste management companies Legislation/Legal provision: Section 6 Ordinance on Specialised Waste Management Companies requires proof of adequate insurance cover Reference of the official journal: Ordinance on Specialised Waste Management Companies of 2 December 2016 (BGBl. I p. 2770), which was amended by Article 2 (2) of the Act of 5 July 2017 (BGBl. I p. 2234) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

23. Liability concerning the inspection of gas systems and their installation by state-approved garages Legislation/Legal provision: Annex VIIa to Regulations Authorising the Use of Vehicles for Road Traffic (StVZO), nos. 2.8 and 2.9 Reference of the official journal: Regulations Authorising the Use of Vehicles for Road Traffic of 26 April 2012 (BGBl. I p. 679), which was last amended by Article 1 of the Ordinance of 20 October 2017 (BGBl. I p. 3723) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

24. Hunters' liability Legislation/Legal provision: Section 17 (1) no. 4 Federal Hunting Act Reference of the official journal: Federal Hunting Act as of 29 September 1976 (BGBl. I p. 2849), which was last amended by Article 3 of the Act of 8 September 2017 (BGBl. I p. 3370) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

25. Operating liability for nuclear plants and owners of nuclear fuels and other radioactive substances, as well as users of ionising radiation Legislation/Legal provision: Section 13 Atomic Energy Act in conjunction with the Nuclear Financial Security Ordinance and section 24 (1) no. 5 Radiation Protection Ordinance and section 28b (1) no. 5 X-Ray Ordinance Reference of the official journal: 1) Atomic Energy Act as of 15 July 1985 (BGBl. I p. 1565), which was last amended by Article 1 of the Law of 10 July 2018 (BGBl. I p. 1122) 2) Nuclear Financial Security Ordinance of 25 January 1977 (BGBl. I p. 220), which was last amended by Article 20 of the Act of 27 June 2017 (BGBl. I p. 1966) 3) Radiation Protection Ordinance of 20 July 2001 (BGBl. I p. 1714; 2002 I p. 1459), which was last amended by Article 6 of the Act of 27 January 2017 (BGBl. I pp. 114, 1222). 4) X-ray Ordinance in the version of the notice of 30 April 2003 (BGBl. I p. 604), which was last amended by Article 6 of the Ordinance of 11 December 2014 (BGBl. I p. 2010) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

26. Wages tax assistance societies (‘Lohnsteuerhilfe-vereine’) Legislation/Legal provision: Section 25 (2) Law on Tax Advisers in conjunction with section 2 Ordinance on the Implementation of Provisions with regard to wage tax societies Reference of the official journal: 1) Law on Tax Advisers as of 4 November 1975 (BGBl. I p. 2735), which was last amended by Article 8 of the law of 30 October 2017 (BGBl. I p. 3618) 2) Ordinance on the Implementation of Provisions with regard to wage tax societies of 15 July 1975 (BGBl. I p. 1906), which was last amended by Article 6 of the Ordinance of 12 July 2017 (BGBl. I p. 2360) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

27. Brokers and building contractors Legislation/Legal provision: Section 2 Broker and Building Contractor Ordinance Reference of the official journal: Broker and Building Contractor Ordinance as of 7 November 1990 (BGBl. I p. 2479), which was last amended by Article 1 of the Ordinance of 9 May 2018 (BGBl. I p. 550) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

28. Notaries Legislation/Legal provision: Sections 19a, 67 (3) no. 3 Federal Public Notaries Ordinance Reference of the official journal: Federal Public Notaries Ordinance in BGBl. Part III, Section 303-1, last amended by 4 of the Act of 30 October 2017 (BGBl. I p. 3618) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

29. Publicly appointed and sworn experts Legislation/Legal provision: Section 36 (3) no. 3b Industrial Code (GewO) Reference of the official journal: Industrial Code as of 22 February 1999 (BGBl. I p. 202), which was last amended by Article 1 of the Act of 17 October 2017 (BGBl. I p. 3562) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

30. Patent attorneys Legislation/Legal provision: Section 45 Patent Attorney Code Reference of the official journal: Patent Attorney Code of 7 September 1966 (BGBl. I p. 557), which was last amended by Article 5 of the Act of 30 October 2017 (BGBl. I p. 3618) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

31. Pharmaceutical entrepreneurs Legislation/Legal provision: Sections 88, 94 German Medicines Act (AMG) Reference of the official journal: German Medicines Act (AMG) as of 12. December 2005 BGBl. (BGBl.) I p. 3394, last amended by Article 1 of the Law of 18 July 2017 (BGBl I p. 2757). — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

32. Test engineers (construction engineering) Legislation/Legal provision: Section 15 (2) no. 7 Regulation on Building Specifications, Engineering Inspections and Tests Note: This ordinance is part of the laws of the former GDR still applicable in the states that joined the Federal Republic of Germany in accordance with Article 3 no. 32a of the Unification Treaty Act of 18.09.1990 (BGBl. II 1239) and Article 9 Unification Treaty of 31.08.1990 in conjunction with Article 1 G of 23.09.1990 (BGBl. II 885, 1239 effective as of 03.10.1990; cf. also part II of this listing) Reference of the official journal: Regulation on Building Specifications, Engineering Inspections and Tests as of 13 August 1990 (GBl. GDR 1990 I p 1400). — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

33. Inspection, control and certification agencies Legislation/Legal provision: Section 7 (1) Ordinance on the Installation of Heating Boilers and Equipment in accordance with the Construction Products Act Reference of the official journal: Ordinance on the Installation of Heating Boilers and Equipment in accordance with the Construction Products Act (Article 1 of the Ordinance on the Implementation of the Boiler Efficiency Directive) of 28 April 1998 (BGBl. I p. 796), most recently amended by Article 5 of the Law of 5 December 2012 (BGBl. I S. 2449) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

34. Lawyers Legislation/Legal provision: Section 51 Federal Lawyers' Act and section 7 of the Law regulating the activity of European Lawyers in Germany Reference of the official journal: 1) Federal Lawyers' Act published in the BGBl. Part III, outline number 303-8, which was last amended by Article 3 of the Act of 30 October 2017 (BGBl. I p. 3618) 2) Law regulating the activity of European Lawyers in Germany of 9 March 2000 (BGBl. I P. 182, 1349), which was last amended by Article 6 of the Act of 30 October 2017 (BGBl. I p. 3618) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

35. Fairground workers Legislation/Legal provision: Section 55f Industrial Code (GewO) in conjunction with Section 1 Ordinance on the Liability of Fairground Workers concerning conveyance of passengers: show driving with motor vehicles, Wall of Death motordromes, shooting galleries, circuses, performances with dangerous animals, horse-riding business Reference of the official journal: 1) Industrial Code as of 22 February 1999 (BGBl. I p. 202), which was last amended by Article 1 of the Act of 17 October 2017 (BGBl. I p. 3562) 2) Ordinance on the Liability of Fairground Workers of 17 December 1984 (BGBl. I p. 1598), which was last amended by Article 3 of the Ordinance of 9 March 2010 (BGBl. I p. 264) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

36. Agencies and institutions for the control of installations and equipment within the meaning of section 14 (1) of the Equipment and Product Safety Act Legislation/Legal provision: Section 13 (8) Product Safety Act Reference of the official journal: Product Safety Act of 8 November 2011 (BGBl. I p. 2178, 2179, 2012 I p. 131), which was amended by Article 435 of the Ordinance of 31 August 2015 (BGBl. I p. 1474) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

37. Tax advisors, tax agents, tax consultancy services Legislation/Legal provision: Section 67 StBerG Reference of the official journal: Law on Tax Advisers as of 4 November 1975 (BGBl. I p. 2735), which was last amended by Article 8 of the law of 30 October 2017 (BGBl. I p. 3618) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

38. Technical equipment and consumer products Legislation/Legal provision: Section 3 (3) no. 4 Product Safety Act (GPSG) Reference of the official journal: Product Safety Act of 8 November 2011 (BGBl. I p. 2178, 2179, 2012 I p. 131), which was amended by Article 435 of the Ordinance of 31 August 2015 (BGBl. I p. 1474) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

39. Liability of development aid institutions for the benefit of development aid workers (combined with corresponding health insurance) Legislation/Legal provision: Section 6 Development Aid Workers Act Reference of the official journal: Development Aid Workers Act of 18 June 1969 (BGBl. I p. 549), which was last amended by Article 6 (13) of the Act of 23 May 2017 (BGBl. I p. 1228) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

40. Control organisations Legislation/Legal provision: Annex VIII b no. 2.6 Regulations Authorising the Use of Vehicles for Road Traffic (StVZO) Reference of the official journal: Regulations Authorising the Use of Vehicles for Road Traffic of 26 April 2012 (BGBl. I p. 679), which was last amended by Article 1 of the Ordinance of 20 October 2017 (BGBl. I p. 3723) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

41. Firearms certificates, shooting companies Legislation/Legal provision: Section 4 (1) no. 5 Weapons Act (WaffG) Reference of the official journal: Weapons Act of 11 October 2002 (BGBl. I p. 3970, 4592, 2003 I p. 1957), which was last amended by Article 1 of the Act of 30 June 2017 (BGBl. I S. 2133) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

42. Auditors and auditing companies Legislation/Legal provision: Section 54 of the Law regulating the profession of auditor in conjunction with sections 1 and 2 Ordinance of the Professional Liability of Auditors Reference of the official journal: Law regulating the profession of auditor as of 5 November 1975 (BGBl. I P. 2803), which was last amended by Article 9 of the Act of 30 October 2017 (BGBl. I p. 3618) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

43. Certification service Legislation/Legal provision: Article 24 Abs. 2c i.V.m. Article 13 of the regulation (EU) Nr. 910/2014 in conjunction with § 10 Trust Service Act (VDG) Reference of the official journal: Trust Service Act of 18 July 2017 (BGBl. I p. 2745), which was amended by Article 2 of the Act of 18 July 2017 (BGBl. I p. 2745) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

44. Official receivers Legislation/Legal provision: Section 1 (4) Official Receivers Ordinance Reference of the official journal: Official Receivers Ordinance of 19 December 2003 (BGBl. I p. 2804) — Name of the insurer; — Insured sum; — Certification that the contract fulfils the obligation to take out insurance.

ESTONIA 1. Liability insurance of shipowners for maritime claims Legislation/Legal provision: § 77, Merchant Shipping Act Passed 05.06.2002 Entry into force 01.10.2002 Reference of the official journal: RT I 2002, 55, 345 § 773 Insurance policy (1) The existence of a liability insurance contract shall be evidenced by an insurance policy carried on board the ship. (2) A policy of liability insurance shall include the following information: 1) name of the ship, her IMO number and the port of registry; 2) name and principal place of business of the shipowner; 3) type and duration of liability insurance; 4) name and principal place of business of the insurance undertaking. (3) The insurance policy of a ship flying the national flag of Estonia shall be either in English or in Estonian and English. § 775 Certificate of validity of liability insurance in case of causing loss of life, damage to health or bodily injury of passenger (1) In case of international carriage of passengers, a respective certificate shall be applied for from the Estonian Maritime Administration to prove the existence and validity of the liability insurance or other financial security that meets the requirements provided for in subsection 774 (1) of this Act. If the liability insurance contract or another financial security contract meets the requirements provided for in subsection 774 (1) of this Act, the Estonian Maritime Administration shall issue a certificate regarding the existence and validity of the liability insurance or other financial security (hereinafter certificate of liability insurance or other financial security). If the requirements are not met, the Estonian Maritime Administration shall refuse to issue the certificate. (2) A certificate of liability insurance or other financial security shall be issued for a term that shall not exceed the term of the liability insurance contract or other financial security contract, on the basis whereof the certificate is issued. (3) The procedure for application for, issue, revocation and maintenance of a certificate of liability insurance or other financial security, and the form of the certificate shall be established by a regulation of the Minister of Economic Affairs and Communications. (4) A state fee shall be paid for the processing of an application for a certificate of liability insurance or other financial security.

2. General – for every policy holder Legislation/Legal provision: Estonian Law of Obligations Act section 434 (1) The name and address of the policyholder and the insured person, unless the policy is a bearer policy; (2) the class of insurance, a definition of the object of the insurance contract, a list of insured risks and the term for notification of an insured event; (3) the sum insured or the bases for calculation thereof; (4) the effective date of the contract and the duration of any possible extension of the contract, and the duration of insurance cover; (5) in the case of obligatory insurance, the legislation which renders entry into the insurance contract obligatory.

IRELAND 1. Compulsory insurance for drivers/motor Insurance Legislation/Legal provision: Section 56 Road Traffic Act 1961 A certificate must show that a policy has been issued and other prescribed particulars under Section 66, Road Traffic Act 1961

2. Compulsory insurance for aircraft Legislation/Legal provision: Air Navigation and Transport Act 1936 A certificate must contain such particulars as the Minister may require (Section 28)

3. Compulsory insurance of light rail vehicles/Luas Legislation/Legal provision: Transport (Railway Infrastructure) Act 2001 Section 57 A certificate must show that a policy has been issued and other prescribed particulars under Section 66, Road Traffic Act 1961

4. Compulsory insurance for ships Legislation/Legal provision: Sea Pollution (Miscellaneous Provisions) Act 2006 – Section 9 (a) name of ship, distinctive number or letters and port of registry; (b) name and principal place of business of the registered owner; (c) IMO ship identification number; (d) type and duration of security; (e) name and principal place of business of insurer or other person giving security and, where appropriate, place of business where the insurance or security is established; (f) period of validity of the certificate which shall not be longer than the period of validity of the insurance or other security. [Article 7(2) of Schedule]

GREECE 1. Insurance (or other financial security) of the civil liability for the removal of wrecks Legislation/Legal provision: Article 7 of L. 2881/2001 ‘Removal of shipwrecks and other provisions’ Article 108 of L. 4504/2017 (with effect from 1.1.2018) Reference of the official journal: Government Gazette A 16/6.2.2001 Government Gazette A 184/29.11.2017 Apart from the name of the ship, its registration number and port of registry, the shipowner's name and principal place of business, the type and duration of the insurance and the address of the main insurance provider, the certificate must include the irrevocable clause enabling any claim for wreck removal costs to be brought directly against the insurer or other person providing financial security solely upon a notification that such costs have been incurred without the requirement to notify the occurrence of the risk and irrespective of a relevant statement by the registered owner or a waiver by the insurer of the right to invoke defences arising from the insurance contract against the State or organisation.

2. Insurance of liability shipowners covering maritime claims Legislation/Legal provision: Article 4 of Presidential Decree 6/2012 ‘Transposition of Directive 2009/20/EC regarding insurance of shipowners for maritime claims’, with effect as of 31.12.2011 L. 1923/1991 ‘Ratification of International Convention on Limitation of liability for maritime claims signed in London on 19/11/1976’, as amended by L. 3743/2009 ‘Ratification of Protocol 1996 to amend the Convention on Limitation of Liability for maritime claims, 1976’ Reference of the official journal: Government Gazette A 7/20.1.2012; Government Gazette A 13/14.2.1991; Government Gazette A 24/13.2.2009 (a) Name of ship, IMO identification number and port of registration; (b) Name and principal place of business of shipowner; (c) Type and period of validity of insurance; and (d) Name and principal place of business of insurer or other person giving security and, where appropriate, place of business where the insurance is established.

3. Insurance of liability of ships of less than 300 gross tonnage Legislation/Legal provision: Article 1, 2 and 3 of the Ministerial Decision No 3332. 10/04/2013 regulating civil liability issues of shipowners of ships routed in maritime transport which replaced the former Ministerial Decision 3332. 2/01/2012 with the same content Reference of the official journal: Government Gazette B 1505/20.6.2013; Government Gazette B 2822/19.10.2012 (a) Name of ship, IMO identification number and port of registration; (b) Name and principal place of business of shipowner; (c) Type and period of validity of insurance; and (d) Name and principal place of business of insurer or other person giving security and, where appropriate, place of business where the insurance is established.

4. Insurance (or other financial security) of the civil liability of the registered owner of a ship having a gross tonnage greater than 1 000 for pollution damage Legislation/Legal provision: Article 7 of L. 3393/2005 ‘Ratification of the 2001 International Convention on Civil Liability for Bunker Oil Pollution Damage’ Reference of the official journal: Government Gazette 242/4.10.2005 (a) Name of ship, distinctive number or letters and port of registry; (b) Name and principal place of business of the registered owner; (c) IMO ship identification number; (d) Type and duration of security; (e) Name and principal place of business of insurer or other person giving security and, where appropriate, place of business where the insurance or security is established; and (f) Period of validity of the certificate which shall not be longer than the period of validity of the insurance or other security.

SPAIN — —

FRANCE 1. Motorised land vehicles Legislation/Legal provision: Insurance Code, Article L. 211-1 (Highway Code, Article L. 324-1) Law No 58-208 of 27 February 1958, Article 1 Reference of the official journal: JORF (Official Journal of the French Republic) of 28 February 1958, page 2148 Insurance Code, Article R. 211-15 The supporting document must include the following information: (a) name and address of the insurance company; (b) full name and address of the policyholder; (c) number of the insurance policy; (d) the insurance period of the premium or portion of premium paid; (e) the characteristics of the vehicle, in particular its registration number or, failing this and where appropriate, the engine number.

2. Lift operators Legislation/Legal provision: Insurance Code, Article L. 220-1 Law No 63-708 of Thursday 18 July 1963, Article 1 Reference of the official journal: JORF of Friday 19 July 1963, page 6627 Insurance Code, Article A. 220-4 On the top right, the document must indicate ‘Insurance certificate (Article L. 220-1 of the Insurance Code)’. This document must also include: — The name, address and stamp of the issuing insurance body; — The number of the insurance policy; — The name or business name and the address of the operator covered by the insurance; — The geographical indication by which the engine is commonly known; — Indication of the period of the validity, which must be clearly displayed using one of the following formulas: (a) Valid from … to…. (b) Valid for … (days or months) from …. The supporting document must define the means of transport concerned, identifying all elements thereof, as listed in Article R. 220-1. The parts listed above shall be indicated on the supporting document by the issuing insurance company or, failing this, by the operator, before the installation is brought into operation. The insurance certificate must point out that, according to Article R. 220-8, its presentation constitutes only a presumption of guarantee borne by the insurer. It must not include any information other than that specified in this Article, with the possible exception of proof of payment of the premium.

3. Architects Legislation/Legal provision: Law No 77-2 of 3 January 1977, Article 16 Reference of the official journal: JORF of 4 January 1977, page 71 Decree of 15 July 2003 Insurance certificate: The undersigned insurance company hereby certifies that it has issued to: Mr/Ms Status: Domiciled at: Registration No on the order: Company: Registered office: Registration No on the order: policy No covering the liability which may arise for the acts which he/she performs in a professional capacity or the acts of his/her employees for the year (specify).

4. Surveyors Legislation/Legal provision: Law No 46-942 of 7 May 1946, Article 8-1 and 9-1 Reference of the official journal: JORF of 8 May 1946, page 3889 Decree No 96-478 of 31 May 1996, Article 128 Proof of insurance cover, pursuant to Article xxx, must be submitted to the regional council through the submission of a certificate providing the following information: — Reference to the legislative and regulatory provisions; — The business name of the insurance company; — The period of validity of the contract; — The name and address of the contract holder; — The scope and amount of the guarantees.

5. Construction work (ten-year liability) Legislation/Legal provision: Insurance Code, Article L. 241-1 (Construction and Housing Code, Article L. 111-28) Law No 78-12 of 4 January 1978 Insurance Code, Article A. 243-3 (1) In all instances, it must include the following information: (a) The business name and address of the insured party; (b) The single identification number of the insured party, issued in accordance with Article D. 123-235 of the Commercial Code or the identification number provided for in Articles 214 et seq of Council Directive 2006/112/EC; (c) The name, address of head office and full contact details of the insurer and, where appropriate, of the branch granting the guarantee; (d) The contract number; (e) The period of validity; (f) The date on which the certificate is drawn up; (2) And, depending on the following scenarios: (a) Where the insurance certificate refers to a number of construction operations, it shall indicate the limits of the guarantee, depending on the following characteristics: — the activity(-ies) or mission(s) carried out by the insured party; — the date(s) of opening of the building site(s); — the geographical scope of the construction operations covered; — the cost of the construction operations; — where appropriate, the amount of the insured party's contract; — the type of techniques used; — where appropriate, the presence of a collective ten-year liability contract as well as the amount of the absolute excess.

6. Owner of the work, seller or authorised representative of the owner of the work (damage to works) Legislation/Legal provision: Insurance Code, Article L. 242-1 Law No 78-12 of 4 January 1978, Article 12 Reference of the official journal: JORF of 5 January 1978, page 188 Insurance Code, Article A. 243-3 (1) In all instances, it must include the following information: (a) The business name and address of the insured party; (b) The single identification number of the insured party, issued in accordance with Article D. 123-235 of the Commercial Code or the identification number provided for in Articles 214 et seq of Directive 2006/112/EC; (c) The name, address of head office and full contact details of the insurer and, where appropriate, of the branch granting the guarantee; (d) The contract number; (e) The period of validity; (f) The date on which the certificate is drawn up; (2) And, depending on the following scenarios: (a) Where the insurance certificate refers to a number of construction operations, it shall indicate the limits of the guarantee, depending on the following characteristics: — the activity(-ies) or mission(s) carried out by the insured party; — the date(s) of opening of the building site(s); — the geographical scope of the construction operations covered; — the cost of the construction operations; — where appropriate, the amount of the insured party's contract; — the type of techniques used; — where appropriate, the presence of a collective ten-year liability contract as well as the amount of absolute excess.

7. Commercial estate agents Legislation/Legal provision: Decree No 72-678 of 20 July 1972, Article 49 Reference of the official journal: JORF of 22 July 1972, page 7773 Decree of 1 July 2015 Insurer: Name of the insurance body: Address: The above-named insurer certifies that the insurer named below has underwritten an insurance contract on its behalf which includes guarantees at least equivalent to those provided for by the decree of Insured party: Name: First name(s): Business address: Authorised by: Mr/Ms or company: represented by: Name: First name(s): Representative capacity: Holder of professional card No, issued by: Guaranteed professional activity: Policy No: Date on which the contract takes effect: This certificate constitutes only a presumption of guarantee borne by the insurer.

8. Minors housed outside the parental home Legislation/Legal provision: Social Action and Family Code, Article L. 227-5 Law No 2001-624 of 17 July 2001, Article 13 Reference of the official journal: JORF No 164 of 18 July 2001, page 11496, text No 1 Social Action and Family Code, Article R. 227-29 Conclusion of the contracts is justified by a certificate issued by the insurer, and must include the following references: (1) Reference to the legal and regulatory provisions. (2) business name of the insurance company(-ies) concerned; (3) The number of the concluded insurance contract; (4) The period of validity of the contract; (5) The name and address of the policyholder; (6) The scope and amount of the guarantees; (7) The nature of the activities concerned.

9. Hunting Legislation/Legal provision: Environmental Code, Article L. 423-16 Law No 75-347 of 14 May 1975, Article 2 Reference of the official journal: JORF No 0112 of 15 May 1975, page 4899 Insurance Code, Annex to Article A. 230-6 (Name and head office of the business and obligatory clauses) Hunting civil liability insurance certificate The above-mentioned insurance company … certifies that Mr … residing at … is insured by it for the period from … to 30 June … pursuant to insurance contract No … underwritten by … Under the minimum conditions laid down by Article L. 223-13 of the new Rural and Maritime Fisheries Code, this contract covers any civil liability incurred by the hunter with no maximum amount as a result of personal injury caused by an act of hunting or destruction of harmful animals and by dogs in the care of the hunter. No forfeiture shall be enforceable vis-a-vis the victims of accidents or their dependants. Fait à (Date) … For the company

10. Marine hunting Legislation/Legal provision: Environmental Code, Article L. 423-3 Law No 68-918 of Thursday 24 October 1968 Reference of the official journal: JORF of Saturday 26 October 1968, page 10069 Insurance Code, Annex to Article A. 230-6: (Name and head office of the business and obligatory clauses) Hunting civil liability insurance certificate The above-mentioned insurance company …, certifies that Mr … residing at … is insured by it for the period from … to 30 June … Pursuant to insurance contract No … concluded by … Under the minimum conditions laid down by Article L. 223-13 of the new Rural and Maritime Fisheries Code, this contract covers any civil liability incurred by the hunter with unlimited amount owing to the personal accidents caused by an act of hunting or destruction of harmful animals and by dogs in the care of the hunter. No forfeiture shall be opposable to the victims of accidents or their dependants. Fait à (Date) … For the company

11. Organisation and sale of travel and stays Legislation/Legal provision: Tourism Code, Article L. 211-18 Law No 92-645 of 13 July 1992, Article 4 Reference of the official journal: JORF No 162 of 14 July 1992, page 9457 Tourism Code, Article L. 211-40: (a) Reference to the legal and regulatory provisions; (b) The business name of the authorised insurance company; (c) The number of the concluded insurance contract; (d) The period of validity of the contract; (e) The name and address specifying, where necessary, the business name and address of the guaranteed travel operator; (f) The scope of the guarantees. Each year, the insured party must demonstrate the validity of the contract to the registration committee referred to in Article L. 141-2.

12. Owners of dangerous dogs Legislation/Legal provision: Rural and Maritime Fisheries Code: Article L921-3 Law N 99-5 of 6 January 1999, Article 2 Reference of the official journal: JORF No 5 of 7 January 1999, page 327 Decree No 99-1164 of 29 December 1999 Article 4. Presentation of special certification drawn up by the insurer shall be considered as meeting the compulsory insurance obligation enacted in point II of Article 211-3 of the Rural Code. Where the policyholder is not the owner or keeper of the animal, the certification shall mention the name of the dog's owner or keeper.

CROATIA 1. Liability for nuclear damage Legislation/Legal provision: Articles 2, 8 and 16 Act on liability for nuclear damage (Croatian Official Gazette No. 143/98) entered into force 7.11.1998 Reference of the official journal: Act on liability for nuclear damage (Croatian Official Gazette No. 143/98 (1760), 30.10.1998) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

2. Liability insurance for environment damage Legislation/Legal provision: Articles 4, 117, 205 Environmental protection Act (Croatian Official Gazette No. 80/13, 153/13, 78/15, 12/18) entered into force 6.7.2013 Reference of the official journal: Environmental protection Act (Croatian Official Gazette No. 80/2013, (1659), 28.6.2013; 153/2013, (3221), 18.12.2013; 78/2015, (1498), 17.7.2015; 12/2018, (264), 7.2.2018) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

3. Insurance for designer error Legislation/Legal provision: Articles 90 Paragraph 4, 91, 124 Act on Sustainable Waste Management (Official Gazette, No. 94/2013, 73/2017) entered into force 22.7.2013 Reference of the official journal: Act on Sustainable Waste Management (Official Gazette, No. 94/2013, (2123), 22.7.2013; 73/2017, (1767), 26.7.2017) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

4. Liability insurance of authorised architects and engineers in construction Legislation/Legal provision: Article 54 Act on the Chamber of Architects and Chambers of Engineers in Construction and Physical Planning (Official Gazette No. 78/15) entered into force 25.7.2015. Reference of the official journal: Act on the Chamber of Architects and Chambers of Engineers in Construction and Physical Planning (Official Gazette No. 78/2015, (1490), 17.7.2015) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

5. Liability insurance of forestry and wood technology engineers Legislation/Legal provision: Article 32 of Act on Croatian Chamber of Forestry and Wood technology Engineers (Official Gazette No. 22/06) entered into force 4.3.2006 Reference of the official journal: Act on Croatian Chamber of Forestry and Wood technology Engineers (Official Gazette No. 22/2006, (528), 24.2.2006) Act on Croatian Chamber of Forestry and Wood technology Engineers (Official Gazette No. 22/2006, (528), 24.2.2006) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

6. Liability of the Croatia control Legislation/Legal provision: Article 9 Act on Establishment of CROATIA CONTROL (Official Gazette No. 19/1998, 20/2000, 51A/2013) entered into force 21.2.1998 Reference of the official journal: Act on Establishment of CROATIA CONTROL (Official Gazette No.19/1998, (2270), 13.2.1998; 20/2000, (285), 16.2.2000; 51A/2013, (1052), 30.4.2013 According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

7. Liability of sponsor of clinical trial of veterinary medicinal products Legislation/Legal provision: Article 19 Act on Veterinary Medicinal Products (Official Gazette No. 84/2008, 56/2013, 94/2013, 15/2015) entered into force 1.2.2009 Reference of the official journal: Act on Veterinary Medicinal Products (Official Gazette No. 84/2008, (2718), 18.7.2008; 56/2013, (1151), 10.5.2013; 94/2013, (2126), 22.7.2013; 15/2015, (276), 6.2.2015) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

8. Liability insurance in the field of insurance and reinsurance mediation Legislation/Legal provision: Article 403, 410 Insurance Act (Official Gazette no. 30/15) entered into force 1.1.2016 Reference of the official journal: Insurance Act (Official Gazette no. 30/2015, (611), 17.3.2015) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

9. Liability of real estate agents Legislation/Legal provision: Article 5 Real Estate Brokerage Act (Official Gazette no. 107/2007, 144/2012, 14/2014) entered into force 27.10.2007, (article 5 paragraph 3 entered into force 1.7.2013) Reference of the official journal: Real Estate Brokerage Act (Official Gazette no. 107/2007, (3128), 19.10.2007; 144/2012, (3084), 21.12.2012; 14/2014, (289), 5.2.2014) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

10. Liability insurance of touristic agency for package arrangement Legislation/Legal provision: Article 50, 53, 93, 95, 97 Act on Provision of Tourism Services (Official Gazette No. 130/2017) entered into force 1.1.2018. (Articles 50 and 53 entered into force 1.7.2018) Reference of the official journal: Act on Provision of Tourism Services (Official Gazette No. 130/2017, (2982), 27.12.2017) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract. According to Article 50 Paragraph 5 of the Act on Provision of Tourism Services (Official Gazette No. 130/2017) organizer shall provide to the traveller direct exercise of rights on refunds from the guarantee and, for evidence purposes of said right, hand over the contract or certificate of travel contract in package arrangement referred to in article 31 of this Act to the traveller which shall include statement on traveller's option to, based on the contract or the certificate of contract, directly exercise the rights on refund referred to in paragraph 1 of this Article from the insurance company or the bank, as well as include information on the insurer – insurance company or bank with their respective identification number, electronic address, phone number, the document number of provided guarantee (the number of the insurance policy or bank guarantee) and other information that may be required in order to activate the guarantee. According to Article 53 Paragraph 2 of the Act on Provision of Tourism Services (Official Gazette No. 130/2017) organizer is obliged to provide information on liability insurance for damages, insured risks referred to in paragraph 1 of this Article, on the insurer – insurance company with its respective LEI number, electronic address and phone number, insurance policy number and other information necessary for the activation of the guarantee and the exercise of right on compensation in the contract or the certificate of travel contract in package arrangement referred to in Article 31 of this Act, which he is obliged to hand over to the traveller.

11. Liability insurance of lawyers Legislation/Legal provision: Article 44, The Legal Profession Act (Official Gazette no. 9/1994, 117/2008, 50/2009, 75/2009, 18/2011) entered into force 18.2.1994. Reference of the official journal: The Legal Profession Act (Official Gazette no. 9/1994, (157), 10.2.1994; 117/2008, (3374), 13.10.2008; 50/2009, (1196), 22.4.2009; 75/2009, (1786), 30.6.2009; 18/2011, (313), 9.2.2011) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

12. Liability insurance of public notaries Legislation/Legal provision: Article 17 The Notaries Public Act (Official Gazette no. 78/1993, 29/1994, 162/1998, 16/2007, 75/2009, 120/2016) entered into force 1.10.1994 Reference of the official journal: The Notaries Public Act (Official Gazette no. 78/1993, (1599), 25.8.1993; 29/1994, (513), 11.4.1994; 162/1998, (1993), 22.12.1998; 16/2007, (652), 9.2.2007; 75/2009, (1787), 30.6.2009; 120/2016, (2613), 21.12.2016) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

13. Liability insurance of auditors Legislation/Legal provision: Articles 60 and 61 The Audit Act (Official Gazette no. 127/2017) entered into force 1.1.2018 Reference of the official journal: The Audit Act (Official Gazette no 127/2017, (2873), 20.12.2017) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

14. Liability insurance of tax advisors Legislation/Legal provision: Article 23 Act on Tax Advisory Services (Official Gazette no. 127/2000, 76/2013, 115/2016) entered into force 1.1.2001 Reference of the official journal: Act on Tax Advisory Services (Official Gazette no. 127/2000, (2354), 20.12.2000; 76/2013, (1529), 21.6.2013; 115/2016, (2533), 9.12.2016) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

15. Liability insurance of psychologists Legislation/Legal provision: Article 34 The Psychology Profession Act (Official Gazette no. 47/2003) entered into force 2.4.2003 Reference of the official journal: The Psychology Profession Act (Official Gazette no. 47/2003, (582), 25.3.2003) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

16. Liability insurance of bankruptcy managers Legislation/Legal provision: Article 81 Bankruptcy Act (Official Gazette no. 71/2015, 104/2017) entered into force 1.9.2015 Reference of the official journal: Bankruptcy Act (Official Gazette no. 71/2015, (1365), 29.6.2015; 104/2017, (2383), 25.10.2017) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

17. Liability insurance of commission agents Legislation/Legal provision: Article 156 Execution Act (Official Gazette no. 112/2012, 25/2013, 93/2014, 55/2016, 73/2017) entered into force 15.10.2012 Reference of the official journal: Execution Act (Official Gazette no. 112/2012, (2421), 11.10.2012; 25/2013, (405), 28.2.2013; 93/2014, (1877), 30.7.2014; 55/2016, (1440), 15.6.2016; 73/2017, (1770), 26.7.2017) According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the contract, — insured person or thing or another object of insurance, — risk covered by the insurance, — duration of the contract and duration of the insurance cover, — the sum insured or indication that the sum insured is unlimited, — premium or contribution (stake), — date when the policy is issued and — signature of the parties to the contract.

18. Liability insurance of permanent court experts witnesses Legislation/Legal provision: Article 2 Paragraph 1, Article 4 Paragraph 1, Article 9 Paragraph 1, 2, 6 Ordinance on permanent court experts witnesses (Official Gazette no. 38/2014, 123/2015, 29/2016) entered into force 3.4.2014. Reference of the official journal: Ordinance on permanent court experts witnesses (Official Gazette no. 38/2014, (677), 26.3.2014; 123/2015, (2336), 11.11.2015; 29/2016, (822), 1.4.2016 According to the common provisions for property and personal insurance (Article 926 Paragraph 1) of the Civil Obligations Act (Official Gazette, No. 35/2005, 41/2008, 125/2011, 78/2015, 29/2018) the insurance policy shall include the following particulars: — parties to the c