Independent
- Several providers compared
- Advice follows your situation
- AFM licence 12016589
Public and employers' liability insurance (AVB) through Allianz
The AVB pays for damage to property and people outside your own business; whether that actually happens in your situation depends on two modules, called care, custody and control and work after completion.
- 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
Public and employers' liability insurance (AVB) covers property damage and personal injury that you, your staff or a hired-in worker cause to someone else. The legal basis is the tort provision of Article 6:162 DCC; for the mistakes of subordinates Article 6:170 of the Dutch Civil Code applies, and for non-subordinates you engage Article 6:171 DCC. That is why this policy also covers liability for the agency worker in your team and for the subcontractor you present to the outside world.
What the AVB does not do in principle is pay for pure financial loss: loss arising without anything being broken or anyone being injured. Wrong advice, a calculation error in a budget, a missed deadline. That risk belongs with the professional indemnity insurance, which runs alongside the AVB and is not part of it.
When comparing this product we therefore look not at the name of the cover but at the care, custody and control limit, the treatment of work after completion and the question whether hired-in staff are covered. Background on the form of cover itself is on our page about the public and employers' liability insurance.
Independent, personal, sorted quickly
We compare your business liability insurance (AVB) 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.
Business liability insurance (AVB)Photo coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Public and employers' liability insurance through Allianz: what is covered?
The structure of the cover in three parts, with an overview per situation below.
What we do
From assessment to policy.
- Matching cover to your work
- Conditions side by side
- Switching, including cancellation
In the event of a claim
What really matters.
- Notification and guidance
- Assessing a rejection
- Objection where necessary
What is covered
| What we look at | Explanation |
|---|---|
| Does the cover suit your activities | Yes |
| Sum insured and excess | Yes |
| Exclusions and clauses | Yes |
| Fit with your other policies | Yes |
| Premium in relation to the conditions | Yes |
| Comparing on premium alone | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Nature of your work. Assembly at third parties' premises or work on existing installations weighs more heavily than work carried out entirely in your own workshop.
- Wage bill and hired-in workers. The employers' liability section works with the number of people on the floor, including agency workers and self-employed professionals.
- Level of the care, custody and control limit. A higher limit for property in your care is the most expensive individual choice on this policy.
- Work after completion included or not. This module extends your exposure after the job is finished and is priced separately.
- Sales area for your products. Supplying outside Europe, and certainly to the United States and Canada, changes the risk assessment entirely.
- Claims history per section. Insurers look not at the total but at whether the claims arise from property in your care or from injury.
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.
Care, custody and control: damage to what you have in your care
The main cover excludes damage to property you hire, work on, transport or otherwise have in your care. If your client's machine falls over while your engineer is working on it, that is not damage to a random third party but damage to property in your care. Only the care, custody and control module brings that back within cover, with a limit of its own that is almost always lower than the sum insured. We test that limit against the value of what you actually have in your hands.
Work after completion covers the consequential loss, not your own work
If your coupling turns out to be leaking months later, the module pays for work after completion the wet floor and the damaged stock underneath. The cost of remaking the coupling itself is not covered: repairing or replacing the defective work remains at your expense. The same applies to a product supplied with an inherent defect. The distinction between the item itself and the damage around it determines what is paid here.
Staff who are injured go through Article 7:658 of the Dutch Civil Code
For loss suffered by your own employees, the duty of care under Article 7:658 DCCapplies: you have to show that you took the necessary measures, rather than the employee having to show that you fell short. That liability falls under the employers' liability section of the AVB. Road accidents during working hours also run through Article 7:611 DCC and are far from always covered by that section. There is a separate road risk cover for that, which we quote separately.
What stays outside the policy
Excluded are damage caused with or by a motor vehicle, which belongs with the compulsory cover under Article 2 WAM, and damage caused deliberately, which Article 7:952 DCC confirms. Soil and water pollution is not included either. That is the province of the environmental damage insurance. Fines, penalty payments and liability accepted by contract that goes further than the law requires do not fall under it either.
Frequently asked questions
This is what people ask us most.
What exactly does care, custody and control mean?
It refers to property that is not yours but is in your keeping: hired plant, a machine you are repairing, goods you transport or store. The basic cover excludes damage to it, because the risk is then no longer a matter of chance but is connected with what you do with the item. The module brings it back within a lower limit of its own.
My subcontractor makes the mistake. Who is held liable?
Your client will usually hold you liable, because you entered into the contract. Article 6:171 of the Dutch Civil Code makes you liable for the mistakes of non-subordinates carrying out your business activities. Your AVB deals with the claim and then seeks recovery from the subcontractor's liability insurer. Check, therefore, whether your subcontractors are insured themselves and whether their cover is not lower than yours.
Does the AVB pay for redoing my own work?
No. The cost of putting right, removing and remaking defective work is a business risk and appears as an exclusion in almost every policy. What the insurance does pay for is the damage that the defect causes elsewhere: the soaked floor, the damaged installation next to it, your client's business interruption to the extent that it can be attributed to you.
Do I need professional indemnity insurance as well as the AVB?
That depends on whether you also supply advice, design, calculations or inspections. If something goes wrong in that thinking work, there is financial loss without anything being broken, and that is precisely the form the AVB excludes. Businesses that both carry out work and advise need both policies; we will determine with you where the dividing line lies in your assignments.
Every situation is different. For these situations we have a separate page.
- Compare public and employers' liability insurance (AVB)The main page
- Public and employers' liability for work on railways and tracksRail infrastructure, cables and pipes, Article 6:162 of the Dutch Civil Code
- Compare liability insurance for the self-employedPrivate assets, care, custody and control, model agreement
- Employer's liability insurance (WEGAS/WEGAM)Duty of care, traffic accidents, Article 7:611 of the Dutch Civil Code
- Professional indemnity insurance (BAV) and public and employers' liability insurance (AVB) for your businessAVB, BAV, employers' liability
- Public and employers' liability insurance (AVB) for the petrochemical industryAVB, petrochemicals, high-hazard work
- Public and employers' liability insurance (AVB) for safety expertsAVB, employers' liability, advice
- Welders on the payroll: employers' liability and hired-in labourHot work, checks afterwards, certificates
Read more
Within Bedrijfsaansprakelijkheidsverzekering
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.