Liability insurance for installation and assembly work

Care, custody and control and work after completion belong together

Without care, custody and control cover, damage to the installation itself and to the building you work in is not covered. Without work after completion, damage that only shows up months later is not covered either. For this trade they are not extensions but basic elements. Note the separate limits: they are usually lower than the sum insured for ordinary property damage and are often capped per year.

Commissioning is your moment of proof

When the installation is brought up to pressure or energised, it comes under real load for the first time. Record when you did that, which tests you carried out, which values you measured and who attended on behalf of the client. If a leak or a fault develops later, that record is the only evidence that the installation met the specification at handover.

Work with a fire risk has its own conditions

Welding, soldering, cutting and hot air work on site fall under a clause for hot workat virtually every insurer. That requires a completed work permit form, the removal or screening of combustible material, extinguishing equipment within reach and a check afterwards. If those requirements are not met, the insurer can restrict or refuse cover for fire damage.

What you continue to pay yourself

Redoing your own defective work is not an insured loss but a warranty obligation. Only the consequential loss at the customer's end comes into play. Contractual penalties and delay damages under the building contract fall outside the cover. Damage caused by the use of unsuitable material specified by the client leads to argument: record in writing when you warned against such a choice.

Care, custody and control is excluded as standard

Damage to property that you have in your care: borrowed, hired, being worked on or held in safekeeping: is not covered by the standard cover. For professions where this is the core of the work, a separate care, custody and control module with its own limit is essential.

Public and employers' liability

The traffic gap

Your AVB excludes damage caused with or by motor vehicles. It is precisely there that the Hoge Raad (the Dutch Supreme Court) recognised a separate liability based on the duty to act as a good employer: an employer must arrange proper insurance for employees who take part in traffic for work. A WEGAS insurance policy fills that gap.

WEGAS insurance