Liability
- Damage to the object
- Injury to third parties
- Work on quays and sheet piling
Diver liability insurance
Underwater there is no second chance and no witness. That makes the record of the dive, the medical certificate and the procedure used your most important defence against a claim.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
Professional divers work on quay walls, locks, sheet piling, ships' hulls and offshore installations. The AVB covers the damage you cause to property and people in doing so. If you work on the object itself, the care, custody and control exclusion also comes into play.
Diving work has its own statutory requirements: a valid diving medical certificate, a dive team of the prescribed composition and a dive plan. Insurers ask about these when they take you on and again when there is a claim.
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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.
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What does liability insurance for divers cover?
The structure of the cover in three parts, with an overview per situation below.
Care, custody and control
The object you are diving on, excluded as standard.
- Sheet piling and quay wall
- Hull
- Lock and installation
Plant and machinery
Diving equipment, cameras and tools.
- Not on the AVB
- Business contents or goods in transit
- Vulnerable underwater
What is covered
| Situation | AVB | With care, custody and control |
|---|---|---|
| Damage to a passing vessel | Yes | Yes |
| Injury to a colleague or a third party | Yes | Yes |
| Damage to the sheet piling you are working on | No | Yes |
| A damaged hull during an inspection | No | Yes |
| Work outside territorial waters | No | No |
| An expired diving medical certificate | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits 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. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Annual turnover: the main basis for calculation
- Type of diving work: inspection, construction or salvage
- Working area: inland waters, coastal waters or offshore
- Number of divers and team composition
- Sum insured per claim
- Certification and claims history
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why 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.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Care, custody and control: the object you are working on
If you damage the sheet piling, quay wall or hull you are working on, that is a care, custody and control loss and excluded as standard. For diving work that is almost always the object itself.
Medical certification and team composition
An expired diving medical certificate or a team that is too small breaches the statutory requirements. If there is an accident, liability then shifts entirely to you.
Offshore is excluded as standard
Work outside territorial waters falls outside almost every AVB. Have offshore work insured explicitly if you do it.
Equipment underwater
Diving equipment, cameras and tools are not covered by the AVB. You insure those separately under a business contents or goods in transit policy.
Frequently asked questions
This is what people ask us most.
Is damage to the object I am diving on covered?
Not as standard. That is a care, custody and control loss and excluded on an AVB. For diving work that matters a great deal, because you almost always work on the object itself.
Does the cover also apply offshore?
Only if that is insured explicitly. Work outside territorial waters is excluded as standard.
What documents does the insurer ask for?
Diving medical certificates, the divers' qualifications and the dive plan for each project. Keep them current and be able to produce them.
Is my diving equipment covered?
No. The AVB covers liability, not your own equipment. For that you need a business contents or goods in transit policy.
Which sum insured do clients require?
That is set out in the contract or specification and varies widely by sector. In industry and petrochemicals it is often several million per claim. Ask for the requirement before you tender.
What is the difference between the AVB and the BAV?
The AVB covers damage to property and injury to people. The BAV covers pure financial loss: financial disadvantage caused by an error, without anything being broken or anyone being injured. In downtime and delay claims, that is the difference that counts.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
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- Liability insurance for construction and contractingWork on site, care, custody and control, subcontracting
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.