Liability insurance for foundations and associations
An association has no staff but does have people doing work. It is precisely those volunteers who regularly fall between all the policies when there is a loss.
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
Foundations and associations are liable for damage during their activities: injury to visitors, damage to a hired venue and damage caused by volunteers.
Volunteers are not employees, but the organisation can still have a duty of care towards them. Many municipalities also have a collective volunteers' insurance; check what it covers before insuring the same risk twice.
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
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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.
Often in part, through the municipal volunteers' insurance. Check what it covers and top it up with liability cover of your own.
Is damage to a hired venue covered?
Not as standard. That falls under the care, custody and control exclusion; separate cover is needed for it.
Are our board members protected?
Not by this policy. Personal liability of board members calls for directors' and officers' liability insurance.
Do we have to insure our annual event separately?
Often yes. A large event has a different risk profile from regular activities; report it or take out an events policy.
What is covered and what is not
What is covered
Situation
AVB
Directors' and officers' liability
A visitor trips over a cable during your annual fundraising day
Yes
No
A volunteer rides the foundation's cargo bike into a parked car
Yes
No
A volunteer falls off a ladder while putting up the lighting
Provided that
No
The board fails to collect subscriptions for years and suppliers go unpaid
No
Yes
The treasurer signs a lease the association cannot afford
No
Yes
A participant is injured during training without anyone being at fault
No
No
If it is about damage to someone else, look at the AVB. If it is about an allegation against the board itself, look at directors' and officers' liability.
