{"componentChunkName":"component---src-templates-product-js","path":"/byggherregarantiforsikring","result":{"pageContext":{"id":"c5070db8-0a3b-4064-8863-0ff6d0e249c6","slug":"byggherregarantiforsikring","name":"Byggherregarantiforsikring","explanation":"Etter Norsk Standard skal byggherren stille en sikkerhet for oppfyllelse av sine kontrakts-forpliktelser. I de fleste tilfellene dreier dette seg om betalingsforpliktelser til utførende entreprenør,  Sikkerheten skal stilles som selvskyldnerkausjon fra bank, forsikringsselskap eller annen finans-institusjon.\n","intro":"Frigjør kapital med byggherregarantier utstedt av forsikringsselskaper. Garantiforsikringer er likestilt med bankgarantier. Motta uforpliktende tilbud fra våre samarbeidspartnere.\n\n\n\nSlettes???\n\nEn byggherregarantiforsikring er et likestilt alternativ til en standard byggherregaranti / entreprenørgaranti i henhold til Norsk Standard. Garantien utstedes av et forsikringsselskap uten at det er krav om at bedriften avsetter kapital i forbindelse med garantiutstedelsen.","content":[{"_key":"2ae323e82170","_type":"block","children":[{"_key":"2ae323e821700","_type":"span","marks":[],"text":"Hva er en byggherregarantiforsikring?  "},{"_key":"2ae323e821701","_type":"span","marks":["strong"],"text":"                    "}],"markDefs":[],"style":"h2"},{"_key":"eb831bf46da0","_type":"block","children":[{"_key":"eb831bf46da00","_type":"span","marks":[],"text":"Byggherregarantiforsikring brukes som en økonomisk sikkerhet for utførelse av forpliktelser som er avtalt i henhold til kontrakt. Ofte dreier dette seg om betalingsforpliktelser til utførende entreprenør, men det kan også handle om forpliktelser som f.eks. prosjektering."}],"markDefs":[],"style":"normal"},{"_key":"2cff72ae42f7","_type":"block","children":[{"_key":"2cff72ae42f70","_type":"span","marks":[],"text":"Hvorfor bruke et forsikringsselskap til byggherregaranti?"}],"markDefs":[],"style":"h2"},{"_key":"1ff0272ca92b","_type":"block","children":[{"_key":"1ff0272ca92b0","_type":"span","marks":[],"text":"Garantiforsikringer er ofte billigere enn bankgarantier. Garantiforsikringer belaster ikke bedriftens kreditt fasiliteter, men frigjør kapital."}],"markDefs":[],"style":"normal"},{"_key":"cf05a0233b19","_type":"block","children":[{"_key":"cf05a0233b190","_type":"span","marks":[],"text":"Hvilke tradisjonelle bankprodukter erstatter en byggherregarantiforsikring?  "}],"markDefs":[],"style":"h2"},{"_key":"1ef77936d16b","_type":"block","children":[{"_key":"1ef77936d16b0","_type":"span","marks":[],"text":"Garantier etter Bustadoppføringslova og kontrakter mellom profesjonelle parter der garantier ofte må stilles i henhold til Norsk Standard."}],"markDefs":[],"style":"normal"},{"_key":"259baa476e99","_type":"block","children":[{"_key":"259baa476e990","_type":"span","marks":[],"text":"Når bør man benytte seg av byggherregaranti fra forsikringsselskap? "}],"markDefs":[],"style":"h2"},{"_key":"65bec9f74688","_type":"block","children":[{"_key":"65bec9f746880","_type":"span","marks":[],"text":"Når det er inngått kontrakter som krever en eller annen form for garanti. Garantiforsikringen oppfyller de samme kravene som en bankgaranti i tillegg til egenskapene knyttet til frigjøring av kapital."}],"markDefs":[],"style":"normal"},{"_key":"22588209dd3e","_type":"block","children":[{"_key":"22588209dd3e0","_type":"span","marks":[],"text":"Hvem kan kjøpe en byggherregarantiforsikring?          "}],"markDefs":[],"style":"h2"},{"_key":"97fb6a82a135","_type":"block","children":[{"_key":"97fb6a82a1350","_type":"span","marks":[],"text":"Byggherrer kan ha behov for å kjøpe byggherregarantiforsikring. Det avhenger av hvilke forpliktelser som er avtalt utført i kontrakten. For å kunne få tilbud om forsikringen må ofte følgende kriterier oppfylles: "}],"markDefs":[],"style":"normal"},{"_key":"b39245dbeb23","_type":"block","children":[{"_key":"b39245dbeb230","_type":"span","marks":[],"text":"Minimum 3 års positiv drift i selskapet (alternativ sikkerhet hos morselskap eller aksjonærer)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"18efca8e254e","_type":"block","children":[{"_key":"18efca8e254e0","_type":"span","marks":[],"text":"Ingen tidligere konkurser e.l."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"abfb43cb0887","_type":"block","children":[{"_key":"abfb43cb08870","_type":"span","marks":[],"text":"Ingen tidligere erstatningssaker"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"054442a0967b","_type":"block","children":[{"_key":"054442a0967b0","_type":"span","marks":[],"text":"Hva sparer man på å bruke en forsikringsgaranti istedenfor bankgaranti? "},{"_key":"054442a0967b1","_type":"span","marks":["strong"],"text":"  "}],"markDefs":[],"style":"h2"},{"_key":"693a0c24b454","_type":"block","children":[{"_key":"693a0c24b4540","_type":"span","marks":[],"text":"Forsikringspremien er ofte lavere enn prisen for bankgarantier. Forsikringspremien er en engangskostnad, bankgarantien er en årlig kostnad knyttet til garantiens løpetid. Forsikringsgarantier har sjeldent etableringsgebyr i motsetning til bankgarantier."},{"_key":"693a0c24b4541","_type":"span","marks":["strong"],"text":"                             "}],"markDefs":[],"style":"normal"},{"_key":"f63cbc8937d8","_type":"block","children":[{"_key":"f63cbc8937d80","_type":"span","marks":[],"text":"Hva koster en forsikringsgaranti fra et forsikringsselskap?    "},{"_key":"f63cbc8937d81","_type":"span","marks":["strong"],"text":"   "}],"markDefs":[],"style":"h2"},{"_key":"64ba5aedb9ea","_type":"block","children":[{"_key":"64ba5aedb9ea0","_type":"span","marks":[],"text":"Premien (kostnaden) settes ut fra ulike parameter, her kan det variere fra forsikringsselskap til forsikringsselskap. Premien beregnes ut fra garantistens (søker) økonomi, garantibeløp, kontraktstype, kontraktspart og løpetid."}],"markDefs":[],"style":"normal"},{"_key":"df72aecf7111","_type":"block","children":[{"_key":"df72aecf71110","_type":"span","marks":[],"text":"Hvordan får man kjøpt byggsikkerhetsgarantiforsikring?"}],"markDefs":[],"style":"h2"}],"image":{"asset":{"url":"https://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg","fluid":{"srcWebp":"https://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=700&h=467&fit=crop&fm=webp","srcSetWebp":"https://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=175&h=117&fit=crop&fm=webp 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=350&h=234&fit=crop&fm=webp 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=700&h=467&fit=crop&fm=webp 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=1050&h=701&fit=crop&fm=webp 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=1400&h=935&fit=crop&fm=webp 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=2100&h=1402&fit=crop&fm=webp 2100w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?fm=webp 2119w","srcSet":"https://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=175&h=117&fit=crop 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=350&h=234&fit=crop 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=700&h=467&fit=crop 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=1050&h=701&fit=crop 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=1400&h=935&fit=crop 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=2100&h=1402&fit=crop 2100w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg 2119w","src":"https://cdn.sanity.io/images/nb9adhcu/production/8c96d6c2bf64bcd6985a499e3436e110bad013a0-2119x1415.jpg?w=700&h=467&fit=crop","sizes":"(max-width: 700px) 100vw, 700px","base64":"data:image/jpeg;base64,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","aspectRatio":1.4975265017667845}}},"substitute_products":["Byggherregaranti"],"background":[{"_key":"7628ffbafab1","_type":"block","children":[{"_key":"7628ffbafab10","_type":"span","marks":[],"text":"Entreprisekontrakter gjelder ofte store verdier. kontraktsbrudd kan gi store økonomiske følger, og av den grunn er det behov for garantier som balanserer partenes risiko i prosjektet. Etter Norsk Standards kontrakter for utførelsesentrepriser (NS 8405) og totalentrepriser (NS 8407) plikter både byggherre og entreprenør å stille garantier som sikkerhet for sine kontraktsforpliktelser. Tilsvarende krever bustadoppføringsloven at entreprenøren skal stille garanti overfor forbrukeren."}],"markDefs":[],"style":"normal"}],"providers":[{"_key":"12d846499383","_type":"block","children":[{"_key":"12d8464993830","_type":"span","marks":[],"text":"Det er ulike tilbydere av byggherregaranti-forsikringer i Norge. Ulike fokus."}],"markDefs":[],"style":"normal"}],"provider":[{"slug":{"current":"euler-hermes-norge"},"name":"Euler Hermes Norge","introduction":"Euler Hermes er et globalt kredittforsikringsselskap. De er en del av Allianz som er et av verdens største forsikring- og finanskonsern. Utover garantiforsikringer tilbyr de kreditforsikringer og inkassotjenester.","homepage":"https://www.eulerhermes.com/no_NO/garantiforsikring.html","logo":{"asset":{"url":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg","fluid":{"srcWebp":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?fm=webp","srcSetWebp":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=150&h=79&fit=crop&fm=webp 150w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=300&h=158&fit=crop&fm=webp 300w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?fm=webp 600w","srcSet":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=150&h=79&fit=crop 150w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=300&h=158&fit=crop 300w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg 600w","src":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg","sizes":"(max-width: 600px) 100vw, 600px","base64":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAALABQDASIAAhEBAxEB/8QAGQAAAgMBAAAAAAAAAAAAAAAAAAUDBAYH/8QAIhAAAgEDAwUBAAAAAAAAAAAAAQMAAgQFBhESFCExQXGB/8QAFQEBAQAAAAAAAAAAAAAAAAAAAwT/xAAaEQACAgMAAAAAAAAAAAAAAAAAAwISAQRR/9oADAMBAAIRAxEAPwDsWhdb5POXzVXtrRwpXzAXSQd/2bc5BvHcWbj38S2q3SokqUugn3TSBJZRtNW1llQrjgGuua4VZK2ei2nIuI36Jw+wjKEnGP/Z","aspectRatio":1.9047619047619047}}},"can_use_logo":null},{"slug":{"current":"atradius"},"name":"Atradius","introduction":"Atradius er et globalt kredittforsikringsselskap som har tilstedeværelse i over 50 land. Utover garantiforsikringer tilbyr de kreditforsikringer og inkassotjenester.","homepage":"https://atradius.no/produkt/garantier.html","logo":{"asset":{"url":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png","fluid":{"srcWebp":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop&fm=webp","srcSetWebp":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=175&h=40&fit=crop&fm=webp 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=350&h=80&fit=crop&fm=webp 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop&fm=webp 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1050&h=240&fit=crop&fm=webp 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1400&h=320&fit=crop&fm=webp 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?fm=webp 1621w","srcSet":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=175&h=40&fit=crop 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=350&h=80&fit=crop 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1050&h=240&fit=crop 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1400&h=320&fit=crop 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png 1621w","src":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop","sizes":"(max-width: 700px) 100vw, 700px","base64":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAAECAYAAACOXx+WAAAACXBIWXMAAC4jAAAuIwF4pT92AAAA8UlEQVQY0y2OsWoCQRRFZ0MiFmIlsUgREEQQLAISsqKFqVJEMMRGFFJuE4jaqEGNOtk3u0rET7BI6Q9Y5Ecss36IZ2IGDve9NzNnRkXKvYmcUgEeDsrt/Z6VnnaV9tV0vbwMtU4Z8ZMiEjdGYsb456eUNHWO+TWZIO3ccqEix31BNEa4IfU+Wb1djaZFMdJC1oBHEf+ew2UuV2wiaJAe2WRWJV16S1kdnL8fevCNsPtz18x+LkwNUQCC+J2DXXiDCZc/kGhqu8bQhwF9H4bKLmQZeIX2tu7l9TJ4RjaBEGb/wg6E8AUGND+3QrsfwJyH5kehUY3zZ+Pq2QAAAABJRU5ErkJggg==","aspectRatio":4.369272237196766}}},"can_use_logo":null},{"slug":{"current":"tryg-garanti"},"name":"Tryg Garanti","introduction":"Tryg Garanti er en del av av den  forsikringsgruppen Tryg. 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De har konsesjon fra Finanstilsynet. 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Matrix formidler garantiforsikringer til det norske markedet på vegne av utenlandske forsikringsgivere. 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