Liability insurance for IT and online businesses
In IT the damage is digital and the liability financial. A mistake in a release can bring a customer to a standstill for days without a scratch anywhere.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
Software developers, system administrators, marketing agencies and online shops mainly cause pure financial loss: downtime, data loss or lost turnover through a mistake in the service. That calls for a BAV.
There is also the data risk. If you process customers' personal data, you have to deal with the GDPR and with liability after a data breach. That is the domain of cyber insurance.
This page deals with one part. The overview of all parts is on the main page on public and employers' liability.
Independent, personal, sorted quickly
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.
Personal liability insurance (AVP)
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Get coveredWhy 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.
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.
What to look out for
Your terms of supply matter a great deal
A well-drafted limitation of liability in your terms reduces both the risk and the premium. Have them reviewed by a lawyer.
BAV and cyber complement each other
The BAV covers your professional error, the cyber policy covers the incident and liability after a data breach. You need both.
Data processing agreements
If you work with customer data, you are a processor under the GDPR. Record those arrangements; insurers ask about them.
Software supplied as a product
If you supply off-the-shelf software or hardware, product liability applies as well.
What determines the premium
- Annual turnover
- Type of services: bespoke, managed services or standard product
- Volume and type of personal data processed
- Quality of the terms of supply
- Sum insured
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.
Frequently asked questions
Does my AVB cover a software fault?
No. A mistake that causes only financial loss is pure financial loss and falls under the BAV, not under the AVB.
Do I also need cyber insurance?
It is if you process personal data or depend on your own systems. The cyber policy covers the incident and liability after a data breach.
Do my terms and conditions help?
Yes, considerably. A well-drafted limitation of liability reduces both your exposure and your premium.
What if I also supply hardware?
Then product liability applies to defects in the products supplied, alongside professional indemnity for your services.
Every situation is different. For these situations we have a separate page.
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