Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Care, custody and control · consequential loss · contracts
Insurance for installation and maintenance
In installation and maintenance the damage rarely arises during your visit, but in the weeks afterwards: with the leak, the breakdown or the fire that follows from what you left behind.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Verzekeringen voor installatie en onderhoud.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
A liability policy basically covers what goes wrong during the work. Your risk, however, largely lies afterwards. The joint that starts leaking after a fortnight, the system that fails at the weekend, the connection that only gets hot under load: the section for completed workexists for that. If it is not included, your cover stops the moment you hand back the key.
What almost always falls outside the cover is repairing or replacing the part you fitted defectively yourself. The consequential loss around it, such as a flooded floor, failed refrigeration or spoiled stock at your client's premises, can in principle be insured. That distinction determines the outcome of virtually every claim.
If you work with naked flames, soldering, welding or grinding on site, separate requirements apply. And as soon as an installation becomes part of the building, the owner can be held liable under Article 6:174 of the Dutch Civil Code and will then come knocking at your door. For project work we also look at a Construction all risks (CAR) insurance.
What does insurance for installation and maintenance cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Completed work is a separate section
Damage arising after you have finished the work is not automatically covered by the liability cover. The completed work section deals with that, usually with its own limit and sometimes with a time limit after completion. For installation firms this is the most important extension to the policy, because with water, gas, electricity and refrigeration a mistake only comes to light under normal load.
Hot work calls for a permit and a fire watch
Soldering, welding, cutting and grinding at a client's site are the classic cause of fire after the working day has ended. Insurers therefore include a clause requiring a hot work permit form, screening of the surrounding area, firefighting equipment within reach and a fire watch for a set period afterwards. Without a completed form your position after a fire is weak.
Your contract is out of proportion to the consequential loss
A maintenance contract with a modest annual fee can lead to consequential loss many times higher, for instance if a refrigeration system in a stock room fails. The policy does not correct that imbalance; you have to do that yourself. Limit your liability in your terms and conditions, refer to them in every quotation and make sure the terms were demonstrably handed over before the contract was concluded.
Refrigerant, gas and soil
If refrigerant leaks away, oil gets into the soil or a tank empties during maintenance, that is environmental damage. Pollution of soil, water or air and the clean-up costs that follow are excluded on liability insurance and belong with environmental damage insurance. Work with drip trays and record fill quantities; after a leak you have to be able to show how much escaped.
What does your premium depend on?
- Type of installations — Electrical, water, central heating, refrigeration and lifts each have their own consequential loss profile.
- Completed work included — Whether or not there is cover after completion, and with what limit and time period.
- Hot work — How much soldering, welding and grinding you do on site and how you record it.
- Average and largest project size — A single large project can raise the maximum loss considerably.
- Maintenance contracts with response times — Fixed contracts with a call-out service bring liability for availability with them.
- Hired-in staff and subcontracting — Under Articles 6:170 and 6:171 of the Dutch Civil Code you remain answerable for whoever works on your behalf.
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
What does completed work mean on my policy?
It is the section that covers damage arising after you have finished the work. Without that extension your cover stops at completion, while installation faults come to light precisely afterwards. Note the limit and any time period after completion. For installation and maintenance firms this is usually the most important extension to the liability insurance.
Is the leak I caused covered?
The water damage to your client's floor, ceiling and contents is in principle covered, provided completed work is included. Remaking the joint you fitted wrongly is not: damage to the part you supplied or worked on is excluded. That distinction between consequential loss and putting your own work right determines virtually every claim.
What is a hot work permit?
A form stating what hot work takes place where and when, which measures have been taken and who keeps the fire watch. Insurers require it for soldering, welding and grinding on site. If it is not completed and a fire breaks out after you leave, the payment can be reduced because a policy condition has not been met.
Does liability insurance cover soil pollution?
No. Pollution of soil, water or air and the cost of clean-up are excluded on liability insurance. There is environmental damage insurance for that, with its own limit and its own conditions on storage and drip trays. If you work with oil, refrigerant or fuel, that policy is not a luxury but a necessary addition.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.