Changes to Mandatory Insurance Regulation in Construction

On September 25, 2026, decree No. 149, which amends the Regulation on Mandatory Insurance in Design and Construction, comes into force. The main change involves converting insurance limits from BGN to EUR to align with European standards.

What changes

Decree No. 149 alters the insurance limits from BGN to EUR in Article 5 of the Regulation. This affects specific insurance amounts for different construction categories. New values range from 153,387.56 EUR for first category constructions to 17,895.22 EUR for fifth category projects. This change ensures better alignment with European financial standards and expressions for insurance coverage.

Who is affected

The changes affect stakeholders in the construction sector, including designers, builders, and property owners. They will need to review their insurance contracts to comply with the new EUR-based requirements. This shift may also impact project costs due to the need for broader insurance coverage.

Dates and deadlines

The decree was published in the Official Gazette on September 25, 2026, and takes effect on the same day, meaning the new insurance requirements become effective immediately.

Practical next steps

Stakeholders in the construction sector must review and update their insurance contracts to comply with the new EUR-based values. It's also advisable to consult with insurance specialists to ensure coverage aligns with the new financial requirements and to avoid potential penalties or reputational risks.

What to check for your situation

The changes are specifically limited to the quantitative values of insurance limits and do not introduce new administrative procedures or additional obligations for all businesses outside the construction sector.