Basic cover
- Debt collection on unpaid invoices
- Contract & delivery disputes
- Legal advice
- Disputes with suppliers
Business legal expenses insurance (rechtsbijstandverzekering) through ASR
As soon as you have staff, the centre of gravity of a business legal expenses policy shifts to employment law: dismissal, sickness absence and the route to the UWV (the Dutch employee insurance agency) or the sub-district court.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
For employers the employment law module is the part called on most often. Not because there is a lot of conflict, but because Dutch dismissal law is formal: a file that is not in order, a notice given too late or the wrong route chosen to the UWV or the court costs money, regardless of who is right on the merits.
A second focus is sickness absence. During illness the employer carries two years of continued pay and reintegration duties. If the file is not built up properly, the UWV can impose a pay sanction. A dispute about that is administrative law and calls for a different approach from a conflict with the employee.
So with ASR we check not only whether employment law is in the package, but also whether disputes with public bodies fall under it and how the business cover relates to your workforce. See also the De Goudse version.
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.
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Through Finass or direct with a.s.r.?
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 ASR'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 a.s.r. |
|---|---|---|
| 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 a.s.r. 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?
- Number of employees. With an employment law module the size of the workforce is the main basis for premium and acceptance.
- Type of contracts. Many temporary contracts, on-call staff and agency arrangements produce more formal moments and therefore more files.
- Absence figures. High or long-term absence increases the chance of reintegration disputes and of an assessment by the UWV.
- Cover for administrative law disputes. Including conflicts with public bodies such as the UWV is not standard in every policy.
- Maximum for external lawyers' fees. In court proceedings this ceiling determines how much of the bill stays with the insurer.
- Sector and collective agreement. A sector with a binding collective agreement has different formal obligations from a business without one.
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.
Dismissal is a matter of the file
In cases of poor performance the sub-district court looks above all at whether you offered an improvement plan and recorded it in writing. If that is missing, the contract of employment stays in place or a higher payment follows. Your lawyer can only work with what is there. So bring the insurer in at the first conversation, not at the settlement agreement stage. The standard of good employment practice in Article 7:611 of the Dutch Civil Code is assessed over the whole process.
Sickness absence and the pay sanction
If the UWV finds at its gatekeeper assessment that you did too little on reintegration, your duty to continue paying wages is extended. An objection and appeal are open against that, and that is administrative law. Not every policy covers disputes with public bodies. Some are limited to conflicts with the employee. We ask about that clause explicitly before you sign.
Free choice of lawyer in court proceedings
As soon as court or administrative proceedings are brought, you may choose your own lawyer and the insurer pays for that up to the policy maximum. Outside proceedings the in-house legal department handles the case. The maximum for external costs varies widely per insurer and is soon reached in termination proceedings. So compare that amount, not just whether the right exists.
Where the employment law module stops
Injury to an employee does not fall under legal expenses but under employer's liability, with the duty of care in Article 7:658 of the Dutch Civil Code as the test. Collective action, disputes about collective agreements and fines from regulators also fall outside the cover, as do employment conflicts that were already running before the start date. For the defence against a liability claim your liability insurance is the right place to go.
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.
When should I bring in the legal expenses insurer in a dismissal?
At the first sign, not at the end. A termination request stands or falls with what was recorded in the months before: appraisal meetings, improvement agreements and warnings. If the lawyer is only called once the working relationship has broken down, often all that is left is negotiating the payment. Reporting early costs nothing and changes the outcome.
Does the policy cover my objection to a pay sanction from the UWV?
That depends on the module. A dispute with the UWV is administrative law and falls outside employment law cover that is limited to the employee. Some insurers include objections and appeals against public bodies in wider social security cover. We check that in advance, because these cases affect a whole year's wage costs.
May I choose my own lawyer?
As soon as court or administrative proceedings are in prospect, you may appoint a lawyer yourself and the insurer pays the costs up to the policy maximum. Outside proceedings the in-house legal department handles the file. If you choose a lawyer, that maximum is decisive; anything above it you pay yourself. So compare that amount before you take out the policy.
An employee has been injured and is holding me liable. Which policy is that?
That is employer's liability, not legal expenses. The duty of care in Article 7:658 of the Dutch Civil Code places the burden of proof largely on you: you have to show that you gave the necessary measures and instructions. The defence and any compensation run through your public and employers' liability insurance (AVB). We make sure both covers sit alongside each other without a gap.
Every situation is different. For these situations we have a separate page.
Read more
Within Rechtsbijstandverzekering
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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.