Basic cover
- Debt collection on unpaid invoices
- Contract & delivery disputes
- Legal advice
- Disputes with suppliers
Business legal expenses insurance (rechtsbijstandverzekering) through Allianz
The module business owners call on most often is not the dramatic court case, but the dispute about an invoice that goes unpaid or a delivery that falls short.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A business legal expenses insurance policy is built up from modules. The core is almost always contracts and debt collection: disputes with customers over payment, with suppliers over quality and delivery times, and over the question of whose general terms and conditions actually apply. That is where most files sit, and that is where the clauses sit that decide whether you get help.
Two of them decide everything. The threshold amount is the minimum financial interest at which the insurer takes action: smaller claims you either write off or collect yourself. And the waiting period makes sure that a dispute already running when the policy was taken out is not picked up after the event.
We set the Allianz conditions alongside those of other providers on exactly these points, and on the question of whether uncontested debt collection counts. See also the comparison on our page about business legal expenses insurance.
Independent, personal, sorted quickly
We compare your legal expenses insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Legal expenses insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Through Finass or direct with Allianz?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
As well as debt collection and contracts, also employment law, disputes about your business premises and disputes with public authorities.
- Employment law & staff
- Business premises (rented or owned)
- Public authorities & permits
- Recovery of traffic damage
Complete package
The most complete cover. We compare Allianz's extended versions with the market.
- Free choice of lawyer in legal proceedings
- Tax law & tax disputes
- Administrative law
- Higher allowance for external costs
What is covered
| Situation | Basic module | With extension |
|---|---|---|
| Dispute with a client about work delivered | Yes | Yes |
| Collection of an unpaid invoice | Provided that | Yes |
| Employment dispute with an employee | No | Yes |
| Dispute with the landlord of your business premises | No | Yes |
| Tax dispute with the Belastingdienst (the Dutch tax authority) | No | Provided that |
| A dispute that was already running before the start date | No | No |
Business legal expenses insurance has a waiting period and a threshold: a case is not taken on below a certain financial interest. Employment law, tenancy law and tax law are usually in separate modules. In legal proceedings you have a free choice of lawyer. A dispute whose cause already existed when the policy was taken out is excluded.
What we do
| What we do | At Finass | Direct with Allianz |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Allianz is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Modules chosen. Contracts and debt collection only is considerably cheaper than a package that also includes employment law, premises and administrative law.
- Annual turnover. Turnover is the usual basis of calculation for this product and determines which rating band you fall into.
- Threshold amount. A lower threshold means smaller claims are taken on and pushes the premium up.
- Number of debtors and payment terms. Many small customers with long payment terms produce more collection files than a handful of regular clients.
- Maximum external costs. The amount the insurer spends on lawyers and experts outside its own service varies widely.
- Trade with other countries. Foreign customers bring another legal system with them and do not automatically fall within the area of cover.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Debt collection works differently from what you expect
As long as your customer does not dispute the invoice, there is no legal dispute but a payment problem. Many policies then provide only a limited collection service, or refer you elsewhere. If the claim is disputed on its merits, a dispute arises and cover starts. Knowing where that tipping point lies saves weeks: if in doubt, ask the customer to confirm the objection in writing.
The threshold amount sets your lower limit
Every business legal expenses policy has a minimum interest below which the insurer will not handle the case. If your average invoice falls below it, the module is of no use for your credit control, however keen the premium. We compare that threshold per insurer against your actual invoice amounts. For this product it is the most underrated yardstick, and the reason the cheapest policy often does not fit.
General terms and conditions and the moment they are handed over
Contract disputes rarely turn on the law and usually on whose terms and conditions apply. If yours were handed over before or at the time the agreement was concluded, your position is strong. If they were only mentioned on the invoice, usually not. A legal expenses insurer can run that argument, but cannot repair a failure to hand them over.
What the policy does not do
The insurance does not pay claims: if your customer goes bankrupt, you win the case and remain unpaid. For that you need credit insurance. Disputes that already existed before the start date or arose within the waiting period are excluded, as are tax penalties and the defence against a liability claim. The last of these belongs with your public and employers' liability insurance.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
My customer is not paying and does not respond to anything. Is that covered?
As long as there is no substantive objection, many conditions speak not of a dispute but of debt collection. Some insurers handle that within a separate service, others only once the claim is disputed or a defence is raised. We check which variant Allianz applies and how it fits with your own reminder process.
What is the waiting period and why does it exist?
The waiting period is the period after the start date during which new disputes are not yet taken on. It prevents anyone taking out insurance with a conflict already on the table. Disputes arising from events before the start date remain excluded afterwards as well. The cause counts, not the moment you start to feel it.
Do I get my money back if I win the case?
Legal expenses insurance pays for the legal help, not the claim itself. If you win and the other party cannot pay, for instance because of bankruptcy, the invoice stays unpaid. Credit insurance exists for that risk. The costs order you are awarded covers only part of the actual costs.
A customer is holding me liable. Does this policy help?
Usually not. The defence against a liability claim is run by your liability insurer, which has its own legal department for that and decides on settling or fighting on. Legal expenses insurance is there for disputes in which you are claiming something yourself, or in which no liability cover applies. We make sure the two policies fit together.
Every situation is different. For these situations we have a separate page.
Read more
Within Rechtsbijstandverzekering
Similar pages
Also relevant
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.