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.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Items on loan are the heart of this profession and immediately the core risk. Clothing, bags, jewellery and furniture come from a brand collection, a showroom or an archive, travel with you to a set, are worn under studio lights and have to come back in the same condition. In law you have those items in your care, and damage to them is excluded as standard on liability insurance. Only with the care, custody and control extension is that damage insured, up to the limit agreed for it.
The second risk lies in the location. You work in hired studios, private homes, hotels and historic buildings where you build sets, fix things to walls and move equipment about. If you damage the client's floor, plasterwork or interior, that is property damage for which you are held liable under Article 6:162 of the Dutch Civil Code.
We set the care, custody and control limit by reference to the highest value you have in your care on a single day, not to an average. One archive piece or a set of borrowed jewellery can exceed the value of the rest of the shoot. If the limit is not designed for that, you carry the difference yourself. See also liability for photographers for the equipment side of the same production.
The structure of the cover in three parts, with an overview per situation below.
The basics
Liability
AVB for property damage and injury, BAV for professional errors.
Damage to third parties
Employers' liability
Care, custody and control as an extension
Your business
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
If you employ people
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.
Ask for the value before you take anything with you
Brands and showrooms usually state a value when lending, but not always unprompted. Note for each item the value stated and the condition on receipt, with photographs of seams, soles and fastenings. If the total exceeds your care, custody and control limit, raise it for that production or leave items off the set. Arguing afterwards about the value of an archive piece is a conversation you lose.
Signs of use are not damage, but who decides that
Deodorant marks, a stretched neckline, a loop pulled loose: with items on loan there is a constant argument about whether something is normal use or damage. Insurers do not pay for wear or gradual deterioration. So work with a return protocol: the same person checks items out and back in, with the date and photographs, and the lender signs for the condition on return. That protocol is your only defence when a claim comes.
Disappearance without a break-in is not theft
Dozens of people move around a set and items get moved. If a piece goes missing without signs of a break-in, the policy calls it disappearance, and that is excluded on virtually every care, custody and control cover. Work with a lockable rail or case on location, keep an issue list per look and do not leave items in dressing rooms during breaks.
What is not covered
A reduction in value because an item can no longer be sold as new after the shoot is rarely paid in full; insurers look at the cost of repair. Damage caused deliberately is excluded under Article 7:952 DCC. Fines for copyright or trade mark infringement in the use of images or designs are uninsurable. And pure financial loss, such as the cost of a production day that has to be repeated, falls outside liability cover.
What does your premium depend on?
Highest value on loan. It is not the average but the peak value in your care that determines the care, custody and control limit needed.
Care, custody and control limit chosen and excess. Care, custody and control is an extension with its own limit and often its own excess per event.
Type of assignments. Editorial shoots, commercial campaigns, interior styling and personal styling each have their own loss pattern.
Working on location or in your own studio. Working in homes, hotels and listed buildings adds the risk of damage to third parties' interiors.
Your own props and equipment. You insure stock, steaming equipment and set materials as your own property, not on the liability cover.
Working area. Productions abroad call for an extension of the territorial scope and of cover for transporting items on loan.
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.
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.
Only if care, custody and control is insured. Without that extension the policy excludes damage to property in your care, and with items on loan that is always the case. With that cover the damage is covered up to the limit agreed, after deduction of the excess. Wear and signs of use remain outside the payment even then.
Who is liable if a model damages something?
That depends on the structure of the assignment. If the model works under your direction, you can be held liable for the damage under Article 6:170 DCC. If the model was engaged directly by the production, it lies with that party. Because the lender approaches whoever signed for receipt, the claim usually reaches you first.
I damage the floor of a hired studio. Which section is that?
That is damage to property you are hiring, and therefore care, custody and control in the form of a tenant's interest. Ordinary property damage cover applies to damage to third parties' property that is not in your care. Check whether your policy insures tenant's interest and up to what amount, because studio repair rates mount up quickly.
Do I need professional indemnity insurance as well as liability cover?
That depends on your role. If you advise on wardrobe or visual concept and the client suffers a financial loss through incorrect advice without anything being damaged, that is financial loss and falls outside the AVB. If your work is mainly practical and physical, liability insurance with care, custody and control cover is usually enough.
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.
