Unusual risks · clauses · prevention
Liability insurance for businesses through De Vereende
De Vereende focuses among other things on risks that struggle to find a home with mainstream insurers. That route comes into the picture when an application has been declined elsewhere or is only accepted subject to severe restrictions.
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Deze pagina in het Nederlands: Aansprakelijkheidsverzekering voor bedrijven via De Vereende.
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
Not every business is simply given liability cover. A run of claims in a short period, activities that count as fire-hazardous, demolition and remediation work, or an activity so unusual that there is no rate for it: those are the cases a specialist provider exists for. Underwriting there is done case by case, on the basis of a detailed questionnaire and often with a visit or additional information about working methods and prevention.
Expect a tailored approach in both directions. A policy is put together with clauses that set out your working methods, a higher excess per claim and sometimes a restriction on certain activities. That is no formality: a warranty or prevention clause you do not comply with costs you the cover for exactly that loss. So read not only the policy schedule but also the clause sheets, and record internally who is responsible for compliance.
In substance the policy covers the same as elsewhere: injury and property damage you cause to third parties, with employers' liability as a separate section. An explanation of that structure is on the hub page public and employers' liability insurance. If you work on projects, Construction all risks (CAR) insurance is an addition that insures the works themselves. The liability policy never does that.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
What to look at with an unusual risk
Four points that make the difference between a policy that pays and a policy that founders on a clause.
Warranty and prevention clauses
Think of requirements about hot work, a work permit, inspection of tools or a compulsory supervision regime. If such a requirement is not met, the cover for that loss lapses. That differs from an ordinary exclusion: here your own conduct determines whether you are insured.
Full disclosure of your claims history
An application to a specialist market stands or falls on a complete and honest picture. The duty of disclosure in Article 7:928 of the Dutch Civil Code applies in full, and non-disclosure can lead under Article 7:930 of the Dutch Civil Code to a reduced or refused payment. Supply a claims history for recent years, including claims that were rejected.
What is excluded here too
A tailor-made policy also does not cover pure financial loss, damage involving a motor vehicle (Article 2 of the Dutch Motor Insurance Liability Act (WAM)), property you in your care have, or fines and penalty payments. In addition, asbestos and the cost of putting your own defective work right remain outside the cover, as does intent under Article 7:952 of the Dutch Civil Code.
The path back to the mainstream market
Placement with a specialist provider is usually temporary. If the claims picture stays clean for a few years and the prevention measures have demonstrably been put in place, another round of the mainstream insurers is worthwhile. We test that at renewal, not only when you ask for it.
What does your premium depend on?
- The nature of the unusual risk: demolition, fire-hazardous work or a rare activity
- Claims history: the number and size of notifications in recent years
- Prevention measures taken: demonstrable measures bring the premium and the excess down
- Turnover and payroll: the basis for the premium and the annual adjustment
- Excess: with unusual risks often higher than normal
- Restriction of activities: excluding one activity can make the rest insurable
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVB | BAV |
|---|---|---|
| Your fitter drops a toolbox from the scaffolding onto a parked car | Yes | No |
| A customer trips over a cable reel in your warehouse and breaks a wrist | Yes | No |
| An employee falls from a ladder and is unfit for work for a long period | Yes | No |
| Welding work on a roof structure starts a fire in the client's premises | Provided that | No |
| Your calculation error costs the client a subsidy, without anything being broken | No | Yes |
| The floor you poured incorrectly has to come out and be laid again | No | No |
Injury and property damage belong on the left, loss without any damaged object on the right; many cases contain both.
Frequently asked questions
This is what people ask us most.
When does a specialist provider come into the picture?
When mainstream insurers decline your application, only accept it with an exclusion that touches your core activity, or have no rate for what you do. We first put the case to the broad market and only then take this route, because the premium and the excess there are usually higher.
What is the difference between a clause and an exclusion?
An exclusion names loss that is never covered, whatever you do. A warranty clause places an obligation on you: if you comply with it, the loss is covered. If you do not, the cover for that case lapses. So clauses are within your control and deserve attention in your working instructions.
Can a declined application still succeed later?
Yes. A refusal is often connected with a specific point: a run of claims, missing inspections or an activity without any supporting information. If that is demonstrably resolved, the case changes. Keep inspection reports, working instructions and a claims history, because that is what we use to support a fresh application.
Does this policy cover damage to the work I carry out?
No. Works in progress are not a third party's property within the meaning of this cover; construction all risks (CAR) insurance exists for that. The liability policy comes into play for injury and for damage to existing property of the client or of local residents, in so far as no care, custody and control provision applies.
Read more
Within Bedrijfsaansprakelijkheidsverzekering
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