Gas installations · key holding · service vans
Liability insurance for a plumbing company
A plumbing company with several teams does not have one risk but a spread of them: every van is a workplace of its own, every key a liability of its own.
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Deze pagina in het Nederlands: Aansprakelijkheidsverzekering voor een loodgietersbedrijf.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
With staff the employers' liability section is added. Engineers work on ladders, in crawl spaces and with naked flames; injury is not a theoretical risk here. Article 7:658 of the Dutch Civil Code places the burden of proof with you: you must show that instruction, inspection of climbing equipment and supervision were in order. Under subsection 4 the same applies to agency workers and self-employed people hired in. Do not forget the service vans either: damage in traffic falls under Article 2 of the Dutch Motor Insurance Liability Act (WAM), and injury to an engineer as a driver calls for separate cover, about which you can read more under WEGAS and WEGAM.
The work itself brings a heavy category with it: gas combustion appliances. Installing, maintaining and commissioning them is subject to statutory certification requirements. If an engineer works without the required certification and carbon monoxide poisoning follows, it is not only about liability but also about a warranty clause on your policy. Record which engineer holds which certificate and when it expires.
Three items stay outside cover. Putting your own installation right is performance of the contract and not insured, even though the water damage around it is. Property you have in your care, custody and control, such as a boiler you hold for maintenance or an empty building whose key you keep, falls under the care, custody and control exclusion. And pure financial loss, such as the lost rent a landlord claims with nothing damaged, belongs on professional indemnity insurance.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
What is different in a company working shifts
Four subjects that weigh more heavily at an installation company with staff than at a sole trader.
Certification for each engineer
An insurer accepts work on gas and combustion installations on the basis of what you declare about professional competence. If a certificate expires and the engineer carries on working, there is a real cover problem alongside the liability if there is a carbon monoxide incident. Keep an up-to-date overview and link it to the work planning.
Keys and empty buildings
If you work for housing associations or VvEs, you have access to homes where no one is present. If something goes missing or a home floods while you were the only key holder, the care, custody and control exclusion comes into play, plus the argument about what happened. Record the issue and return of keys for each address.
Subcontracting and conditions passed on
On new-build work you work under the main contractor's conditions, with indemnities and sometimes a penalty for delay. Only third-party liability is insured; what you take on additionally by contract is not. Also check whether the work falls under a CAR policy for the project and whether you are named on it as an insured.
Replacement boilers and old installations
If you connect new equipment to an existing pipe network, the question when there is a loss is where the defect lay. Record the condition of the existing installation at handover, with photographs and a pressure test report. Without that evidence an old leak quickly becomes your leak.
What does your premium depend on?
- Payroll and number of engineers: the basis for employer's liability
- Share of gas and combustion work: the heaviest category in acceptance
- New build against service: different clients, different conditions
- Hiring in agency workers and self-employed people: this counts towards your duty of care
- Number of service vans: more workplaces, more jobs running at once
- Sum insured and excess: per claim and per insurance year
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVB | BAV |
|---|---|---|
| An agency worker in your team injures his back lifting a cast iron radiator | Yes | No |
| While flushing an installation in a care home the cellar floods and the archive cabinets are lost | Yes | No |
| An employee of the client trips over tools your team left in the corridor | Yes | No |
| Your service van reverses into a client's garage door | No | No |
| A boiler you took to the workshop for maintenance is damaged there | No | No |
| The pipe route your work planner drew does not achieve the required capacity and the design has to be done again | No | Yes |
With staff, the centre of gravity of the policy shifts to injury to your own and hired-in people.
Frequently asked questions
This is what people ask us most.
Is injury to an engineer who falls off a ladder covered?
That falls under the employers' liability section, if it is included. The insurer does assess whether you complied with your duty of care under Article 7:658 of the Dutch Civil Code: inspected climbing equipment, instruction and supervision. Without that support, payment can be affected. Record inspections and toolbox talks; with claims of this kind that is the most important evidence.
What if a client is exposed to carbon monoxide after our maintenance?
Then there is an injury claim and your liability is assessed under Article 6:162 of the Dutch Civil Code. Cover is bound up with whether the work was carried out by a suitably certified engineer and in accordance with the applicable rules. Report an incident of this kind to your insurer immediately, even before a claim is brought.
Are we liable for the mistakes of a self-employed person we hired in?
Towards your client usually yes: you are the party carrying out the work under the contract. Whether you can recover that loss from the self-employed person depends on the arrangements and on his own insurance. Ask for a valid policy schedule before the work starts, therefore, and record who is responsible for what. Without that the loss stays with you.
Does the AVB cover the lost rent a landlord claims?
Only where it results from covered property damage, a home that is uninhabitable after water damage for instance. If the landlord claims only lost rent because the work overran, with nothing damaged, that is pure financial loss and excluded. That category belongs on professional indemnity insurance, provided it is available for your activities.
Read more
Within Bedrijfsaansprakelijkheidsverzekering
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- Bedrijfsaansprakelijkheidsverzekering hoveniersbedrijf
- Bedrijfsaansprakelijkheidsverzekering schildersbedrijf
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- Bedrijfsaansprakelijkheidsverzekering ongediertebestrijding
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