Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insurance for security and defence
In this sector your licence is not a formality but a condition of cover: if the authorisation falls away, the insurance falls away with it.
- 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
Private security, investigation work and supplying the defence sector are licensed activities in which every member of staff is screened and required to carry identification. Insurers accept on the basis of that same regime. If someone works without valid identification or screening, that affects not only your authorisation but also your cover: giving incorrect information when taking out the policy falls under Article 7:928 of the Dutch Civil Code and deliberately departing from the rules ends up at Article 7:952 DCC.
The actual pattern of loss has two sides. On one side there is injury to a third party after an intervention: an arrest that goes too far, a removal that gets out of hand, a crowding incident at an event. There the key question is proportionality, and deliberately inflicted injury is excluded on every policy, even where you are sued as the employer under Article 6:170 of the Dutch Civil Code. On the other side there is injury to your own people, which rests with you through Article 7:658 DCC.
The third category is the most treacherous. If there is a break-in at a site you were guarding, the client's loss is not property damage you caused but the failure to deliver the result you promised. That is a contractual argument and not an insured liability risk. Your terms and conditions determine the outcome here, not your policy.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
What does insurance for security and defence 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.
What does your premium depend on?
- Type of activities. Site guarding, mobile patrols, event security, door supervision and private investigation are weighted differently.
- Number of employees and payroll. The basis of calculation for both employers' liability and sickness absence, including hired-in workers.
- Physical intervention among your duties. Work involving removal, arrest or crowd control carries a considerably higher injury risk.
- Use of dogs and equipment. Patrol dogs, drones, camera systems and equipment have to be declared and are assessed separately.
- Working area. Work within the Netherlands, elsewhere in Europe or in higher-risk areas determines acceptance and the exclusions.
- Alarm centre and control room services. Alarm transmission, response and the management of keys or access devices add a liability risk of their own.
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.
Monitor identification as a process, not as a task
With dozens of staff, keeping track of passes, screenings and expiring training is no longer a side issue. Record centrally who holds which authorisation and when it expires, and block deployment as soon as a date passes. One member of staff with expired papers at a site can affect your licence, and with it the basis on which the insurer accepted the risk. Apply the same regime in your arrangements with hired-in colleagues and subcontractors.
Intervening calls for a use-of-force file
Where there is injury after an arrest or removal, the action is assessed afterwards for whether it was proportionate. Make sure every situation involving physical intervention is recorded the same day: the trigger, the sequence of events, witnesses, injuries, camera footage and the instruction followed. Without a report your employee's account stands alone against that of the person concerned, and that is the position in which claims are settled rather than contested.
Dogs, weapons and equipment are separate
If you use patrol dogs, the strict liability in Article 6:179 of the Dutch Civil Codeapplies: as the keeper you are liable for what the animal does, even without blame. That deployment has to appear on the policy in so many words, as does the use of batons, handcuffs or other equipment. Damage caused by or to firearms is excluded as standard. Also report the use of drones and cameras, because they bring their own privacy risk.
Territory and client determine the limit
Work in or for conflict areas falls under the civil commotion and war exclusion that appears on virtually every policy, whichever section you turn to. Seconding staff to military clients abroad also calls for separate arrangements on territory, repatriation and personal accident cover. Ask about this before you start, because existing cover does not stretch to fit a new contract in another country.
Frequently asked questions
This is what people ask us most.
Am I liable if a security officer injures someone?
As a rule yes, towards the injured third party, through Article 6:170 of the Dutch Civil Code, unless the action was proportionate. The assessment turns on the trigger, the degree of force and the instruction followed. Deliberately inflicted injury is excluded on every policy, even where you are sued as the employer. A report drawn up the same day with witnesses and footage is your main defence.
Is the burglary loss at a client I was guarding covered?
Usually not. The client suffers loss because the promised result did not materialise, and that is pure financial loss arising from a contract, not property damage you caused. Your public and employers' liability insurance does not pay for it. What counts here are your terms and conditions and the limitation of liability in them, plus possibly professional indemnity cover for shortcomings in the service.
Do I have to declare the use of a patrol dog?
Yes. As the keeper you carry strict liability under Article 6:179 of the Dutch Civil Code: if the animal bites someone, you are liable without any need to show blame. Insurers assess that deployment separately and normally require a demonstrably trained handler and dog team. Without a mention on the policy a biting incident is not covered, even where the deployment itself was justified.
What happens if a screening or identification has expired?
The member of staff is then working without authority and that affects the basis on which the insurer accepted the risk. Cover can be refused when you claim; giving incorrect information runs into Article 7:928 of the Dutch Civil Code and knowingly continuing to work outside the rules into Article 7:952 DCC. Keep authorisations and expiry dates centrally and block deployment automatically, including for hired-in colleagues from another party.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Insurance for public administrationLiability, directors, buildings
- Insurance for the justice and enforcement sectorLiability, staff, property
- Insurance for the rail sectorCertification, taking out of service, consequential loss
- Insurance for property managersManagement, keys, liability
- Pet insuranceVet's fees, waiting period ·. Not the same as liability
- Misconceptions about liability insuranceCare, custody and control, staff, your own losses
- Insurance for facility servicesCare, custody and control, sites, staff
Read more
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.