Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Liability for charities
In a charity, liability runs through people you do not employ: collectors, handy volunteers, drivers and a board that does the job unpaid.
- 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
A liability insurance for businesses covers injury and property damage to third parties under Article 6:162 of the Dutch Civil Code, and liability for people working for you under 6:170 DCC and 7:658 DCC. In a foundation the emphasis lies on the latter, because the people doing the work are usually not on a payroll.
On top of that, the financial position is different from that of a company. There is no profit reserve to pay a claim from. There are gifts with a designated purpose. A claim the foundation cannot carry then lands with the board members, who are unpaid but not free of liability.
If your organisation also has its own premises, employees on the payroll and a client base, liability insurance alone is not enough. In that case see insurance for welfare organisations.
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We compare your personal liability insurance (AVP) 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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What does liability cover for charities?
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?
- Number of volunteers and their tasks. Administrative work is weighted differently from odd jobs, carrying or working at height during set-up.
- Payroll of paid staff. Even a small number of employees brings employer's liability with it and counts in the calculation.
- Nature of the activities. Door-to-door fundraising, charity shops, food distribution or aid abroad each carry their own risks.
- Public events per year. The number and size of events determine how many visitors you bring into contact with your organisation each year.
- Your own premises or rented premises. If you have premises or a warehouse, liability as the possessor of the structure is added.
- Sum insured per claim. The limit chosen per claim and per insurance year largely determines the premium.
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.
For the duty of care, your volunteer counts almost as an employee
Article 7:658(4) of the Dutch Civil Code extends the employer's duty of care to everyone who performs work in the course of your activities, even without an employment contract. If a volunteer falls off a ladder while putting up a stall, you have to show that you gave instructions, supplied sound equipment and provided supervision. That burden of proof lies with the organisation, not with the injured person.
The municipal volunteers' policy does not cover you
Almost every municipality has a collective volunteers' insurance. It is there for the volunteer: their accident, their belongings, their personal liability. The liability of the foundation as an organisation falls outside it, and so does that of the board. Those are two separate policies. So do not rely on being told that the municipality has arranged matters; ask exactly what it covers.
A collection, street fair or sponsored run is a risk of its own
Crowds arriving, temporary structures, a bouncy castle, food served: that is a different risk profile from your day-to-day work. Events are often not covered, or only to a limited extent, on a standard policy and must be reported in advance. The municipal permit also sets requirements for barriers and supervision. Report the activity well beforehand, with the date, the expected numbers and what you are having put up.
Goods you give away, you put into circulation
If you hand out second-hand appliances, furniture or food parcels, product liability under Article 6:185 of the Dutch Civil Code can come into play if someone is injured as a result. With goods of unknown origin, that chain can no longer be reconstructed. Record what you accept and from whom, have electrical appliances checked, and discuss with us whether your policy covers donated goods.
Frequently asked questions
This is what people ask us most.
Are our volunteers not already insured through the municipality?
Often they are, but that is different cover. The municipal policy protects the volunteer personally in an accident or where they cause damage. If the foundation itself is held liable, for example because the duty of care was not met, that falls outside it. Separate policies are needed for the organisation and for the board.
Does liability insurance cover the board personally?
No. This policy relates to the foundation's liability for injury and property damage to third parties. Personal allegations against board members of improper performance of their duties, for example under Article 2:9 of the Dutch Civil Code, fall under directors' and officers' liability insurance. Recovery is then against private assets, even in an unpaid role.
Do we have to report a street fair or collection week separately?
Yes, report them in advance. Public activities with temporary structures, catering or large numbers of visitors are often not fully covered on a standard policy. Give the date, the expected size and what you are having put up. If you hire attractions or stalls, also check who carries the risk for them under the hire contract with the supplier.
We give away second-hand items. Does that put us at risk?
Yes. Anyone who provides a product to someone else can be held liable if there is an injury, and with donated goods the origin can rarely be established. Register what you accept and from whom, have electrical appliances checked before they leave, and let us check whether your policy covers handing out donated goods.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
- Liability for small businessesSum insured, care, custody and control, staff
- Welders on the payroll: employers' liability and hired-in labourHot work, checks afterwards, certificates
- Liability in recreation and tourismVisitors, site, activities
- Liability for guidesGroups, terrain, instructions
- Liability for trade associationsAdvice to members, the board, publications
- Liability in rope access workCertification, height, falling material
- Liability insurance for foundations and associationsVolunteers, activities, the board
- Types of business liability insuranceAVB, BAV, directors, cyber
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.