Work at third parties' premises · commissioning · territorial scope
Liability insurance for an assembly company
An assembly company brings something valuable into a building that is already running. The damage rarely arises to the object being installed and usually to everything around it.
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Deze pagina in het Nederlands: Aansprakelijkheidsverzekering voor een montagebedrijf.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
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- 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.
In brief
With assembly work three policies overlap. Damage to the works themselves - the object you are installing, including transport and storage on site - belongs on erection all risks insurance or Construction all risks (CAR) insurance. Damage to others - the sprinkler pipe drilled through, the damaged floor, the production line struck, the injury to one of the client's staff - is business liability. And damage to your own equipment is your own property damage. Anyone who does not keep those three apart discovers it with the first large claim.
The provision that causes most argument is care, custody and control. A machine, air handling unit or steel structure is in your charge during assembly without your being the owner. If it falls off the stand or is damaged while being lifted in, the care, custody and control exclusion operates, even though the object is the client's property. Commissioning is a second breaking point: many erection policies have a separate, shorter testing period, and it is precisely during trial running that things go wrong.
Also outside cover: the carrying out your own assembly work again under the provision on work carried out, the pure financial loss of a client whose production is at a standstill with nothing damaged, and damage with your vans, access platforms and telehandlers while taking part in traffic, which falls under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Finally, check the territorial scope: assembly outside Europe is often excluded as standard.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
Where assembly work comes unstuck
Four subjects that determine whether an assembly loss ends up with your insurer or with you.
Drilling, cutting and what is in the wall
The most expensive assembly loss is usually a pipe or cable struck: sprinkler, cooling, data or high voltage. Ask for current drawings and have the client sign off where drilling is allowed. The damage to the building is covered. The production stoppage that follows in a data centre or factory often only as consequential loss of that property damage.
The object under the hook
Lifting and positioning heavy components inside an existing building is the phase with the greatest exposure. The object itself falls under care, custody and control, the facade and the floor around it do not. Consider for each project whether the erection insurance covering the object is actually in force and from what moment.
Testing and handover
From handover the risk shifts from the erection cover to liability and guarantee. Record the moment of handover in writing, with a list of outstanding items. A project that is in fact in use but has not formally been handed over is a recurring source of argument about cover.
Working abroad
If you install in Germany, Belgium or further afield, report it in advance. The area of cover and the question of which law liability is assessed under are set out in the policy. Work in the United States and Canada is excluded by almost every Dutch insurer.
What does your premium depend on?
- Payroll and number of engineers: the basis for employer's liability
- Nature of what is installed: steel structure, building services or production machinery
- Working in operating businesses: more exposure to damage at third parties
- Area of cover: assembly outside Europe calls for a separate arrangement
- Care, custody and control cover included: depending on the value of the object
- Sum insured and excess: per claim and per insurance year
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVB | BAV |
|---|---|---|
| One of the client's staff is hit by a falling mounting bracket in the factory hall | Yes | No |
| A weld spatter sets the client's store of packaging material alight | Yes | No |
| An engineer from your gang falls through a rooflight on the client's roof | Yes | No |
| The forklift the client let you use is damaged against a column | No | No |
| The production line is down for three days after your conversion with nothing damaged | No | Yes |
| Your layout drawing takes no account of the floor loading and the whole layout has to be done again | No | Yes |
Damage to the object you are installing belongs on the erection or CAR policy and not in this table.
Frequently asked questions
This is what people ask us most.
What is the difference between the AVB and erection insurance?
Erection insurance covers damage to the work you carry out, including materials on site. Public and employers' liability insurance covers injury and property damage you cause to others. A component that falls is an erection loss, the floor that cracks as a result is liability. In reality an assembly company needs both, with clear arrangements about excesses.
Is damage during trial running covered?
That depends on the testing clause. Erection policies often have a limited testing period with its own limit, and loaded tests are sometimes excluded. Damage the test causes to third parties remains a liability question. Agree in advance which tests will be carried out and whether the cover chosen is arranged for them.
Who is liable if a component supplied fails?
If you supply the component, product liability comes into play and the question is whether that section is on your policy. If you only install material the client supplies, the argument is about the assembly itself. Record for each project who supplies which material. Those records determine who is held liable when there is a loss.
Do we have to report that we also install abroad?
Yes. The territorial scope is a question of acceptance and not a formality. Article 7:928 of the Dutch Civil Code requires an accurate declaration. Without one the insurer can reduce or refuse payment under Article 7:930 DCC. Report interim extensions as well, a first project outside the European Union for instance.
Read more
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