Goods on loan · key management · dressing on location
Liability insurance for a styling agency
A styling agency works almost always with someone else's belongings, in someone else's building. That makes the care, custody and control exclusion not a detail but the main subject.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Aansprakelijkheidsverzekering voor een stylingbureau.
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
Whether you style homes for sale, dress shop windows or build sets for a photo shoot: your work consists of temporarily placing third parties' property in a third parties' premises. If you damage a poured floor, a frame or a worktop while dressing the space, that is third-party property damage and the core territory of the AVB, with Article 6:162 of the Dutch Civil Code as the basis.
The care, custody and control exclusion cuts right through that. Hired furniture, borrowed artwork, clothing and a brand's products are in your keeping without your owning them; damage to them is excluded as standard, while the hire firm or the brand will put the bill in front of you. If you are also given the key to an empty house, an insurer can regard the whole property as entrusted to your care. Ask expressly, therefore, about the scope of the care, custody and control clause.
What else sits alongside: your own stock of furniture and decoration belongs on business contents insurance, and damage in transit on goods in transit insurance. A disappointing sale result is not an insurable loss. The general explanation of the product is set out on hub page on the AVB.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
What to look out for
Four subjects that are more often decisive in styling than the premium.
The key to an empty property
If, during a styling assignment, you are the only person with access to the house, the insurer can argue that the property was entrusted to your care and apply the care, custody and control exclusion to water damage or burglary damage. Record when you receive and return the key, have the client keep the buildings insurance in place and take photographs on arrival and departure.
Drilling, hanging and fixing
A curtain track in a plastered ceiling, a mirror on a plasterboard wall or a drill hole through a pipe run: this is the most common loss in dressing a space. The damage itself is generally property damage, but the insurer looks at how you worked. Use a pipe and cable detector and ask for drawings; deliberate recklessness falls under Article 7:952 of the Dutch Civil Code outside the cover.
Clothing and products you work on
In photo styling, clothing, food and products are pinned, steamed, cut or glued. Property you works falls under the working-on or care, custody and control exclusion. The brand expects the collection back undamaged. Arrange separate cover for third parties' property and agree for each assignment which alterations are permitted.
Stylists, on-call staff and lifting
Your duty of care under Article 7:658 of the Dutch Civil Code applies to employees and, under subsection 4, to on-call and agency workers working under your supervision as well. Lifting sofas, working on step stools and loading a van are the classic causes of injury. Record lifting instructions, aids and the crew size for each job in writing.
What does your premium depend on?
- Annual turnover: the usual yardstick in services
- Payroll and on-call staff: decisive for employers' liability
- Type of styling: sale styling of homes weighs differently from window or photo styling
- Value of goods on loan: determines the need for care, custody and control cover
- Own transport: whether you drive a van full of furniture yourself
- 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 |
|---|---|---|
| A visitor at the open day trips over the rug you laid | Yes | No |
| A candle from your dressing sets fire to the curtain in the house being sold | Yes | No |
| An on-call worker injures his back carrying a sofa upstairs | Yes | No |
| The borrowed designer chair is scratched while the window display is being dressed | No | No |
| Your window layout does not match the brand guidelines and the whole shop has to be redone | No | Yes |
| A colour scheme you recommended is rejected and the property has to be repainted | No | Yes |
Everything temporarily in your keeping (keys, hired furniture, an empty property) falls outside both columns without separate care, custody and control cover.
Frequently asked questions
This is what people ask us most.
A hired sofa was damaged while dressing the space. Covered?
Usually not on the standard AVB. Hired or borrowed property is in your keeping and falls under the care, custody and control exclusion. The hire firm will charge the loss to you. Separate care, custody and control cover or goods insurance for third parties' property solves this. Also set out in the hire agreement who carries the risk during transport and storage.
Water damage has occurred in a house we had styled.
Report it to your insurer immediately; Article 7:941 of the Dutch Civil Code requires you to notify as soon as you are reasonably aware. The handling turns on whether you are liable and whether the property counts as entrusted to your care. Limit further damage and record when you were last there and in what state you left the property.
Is damage during transport of furniture insured?
No. Damage caused with or by a motor vehicle falls outside the AVB. The compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies there. Damage to the goods carried is insured with goods in transit insurance or your own carrier's cover. Assess for each assignment whether you drive or the owner arranges the transport.
The house did not sell. Can the client hold us responsible for that?
A disappointing sale result is not injury and not damage to property; at most it is pure financial loss and therefore not covered on the AVB. Prevent argument by not promising a result in your quote but describing an effort, and record what you do and do not deliver. Where there is an advisory element, professional indemnity cover is more appropriate.
Read more
Within Bedrijfsaansprakelijkheidsverzekering
- Bedrijfsaansprakelijkheidsverzekeringthe main page
- Bedrijfsaansprakelijkheidsverzekering interieurontwerper zzp
- Bedrijfsaansprakelijkheidsverzekering stylist zzp
- Bedrijfsaansprakelijkheidsverzekering fotostudio
- Bedrijfsaansprakelijkheidsverzekering interieurontwerpbureau
- Bedrijfsaansprakelijkheidsverzekering weddingplanner zzp
- Bedrijfsaansprakelijkheidsverzekering dj bedrijf
Similar pages
- Liability insurance for an interior designer as a self-employed professional (zzp’er)
- Liability insurance for a stylist
- Liability insurance for a photo studio
- Liability insurance for a media company
- Liability insurance for a wedding planner
- Liability insurance for a DJ business
- Liability insurance for an interior design agency
- Liability insurance for a photographer as a self-employed professional (zzp’er)