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Artikel

IPA im Bau: Warum Versicherung zum Erfolgsfaktor wird

IPA in Bau und Immobilienwirtschaft: Wie kombinierte Projektversicherungen komplexe Bauvorhaben absichern und Risiken frühzeitig beherrschbar machen.

Die Integrierte Projektabwicklung (IPA) gewinnt als Vergabemodell in der Bau- und Immobilienwirtschaft zunehmend an Bedeutung. Seit den ersten praktischen Anwendungen im Jahr 2018 hat sich IPA zunehmend als Verfahren für komplexe Bauvorhaben in Deutschland etabliert. Gemäß des IPA-Reports des Karlsruher Institut für Technologie aus Q2/ 2026 konnten in Deutschland 55 entsprechende Bauprojekte identifiziert werden. Immer mehr öffentliche und private Bauherren setzen auf dieses Modell, bei dem Auftraggeber, Planer und ausführende Unternehmen von Beginn an in einem gemeinsamen vertraglichen Rahmen zusammenarbeiten. Der Vorteil: Komplexe Bauvorhaben lassen sich enger abstimmen, Schnittstellen besser steuern und Risiken früher erkennen. IPA stellt aber auch neue Anforderungen an den Versicherungsschutz.

Wenn Planung und Ausführung von Beginn an eng miteinander verbunden sind, ist die Risikolage zu Projektstart häufig noch nicht vollständig definiert. Für klassische Versicherungsausschreibungen ist das eine Herausforderung. Hinzu kommt, dass die Mehrparteienstruktur ein Deckungskonzept erfordert, das Verantwortlichkeiten, Haftung und das Zusammenspiel aller Beteiligten möglichst präzise abbildet.

Besonders wichtig ist dabei eine Planungsvorlaufdeckung, die bereits in der frühen Projektphase greift und einen nahtlosen Übergang in die spätere Projektversicherung ermöglicht.

Als besonders geeignet gilt hier die kombinierte Projektversicherung. Sie bündelt i.d.R. Bauleistungs-, Montage- und Haftpflichtdeckung einschließlich Planungs- und erweiterter Planungshaftpflicht in einem einheitlichen, projektbezogenen Konzept. Für IPA-Projekte ist das ein wesentlicher Vorteil: Statt mehrerer Policen mit möglichen Abgrenzungsproblemen besteht eine gemeinsame Absicherung für alle Beteiligten.

Damit wird deutlich: Versicherung ist in der IPA nicht nur notwendige Begleitung, sondern regelmäßig ein echter Erfolgsfaktor.