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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
If you send employees abroad, you remain the employer. The duty of care under Article 7:658 of the Dutch Civil Code applies at a client's site in Poland or on a factory site in Turkey as well. Also, Article 7:611 of the Dutch Civil Code requires you to act as a good employer: where risks are known to you and not to the employee, preparation, instruction and a proper provision are called for.
Business travel insurance covers the costs the traveller incurs: treatment, assistance, transport home, luggage. What that policy does not do is take over your liability when an employee holds you responsible for having prepared him inadequately. That claim ends up with your liability cover, and for injury in traffic during working hours often with separate employer's cover for road users.
If your employee causes damage to a third party on site, you are, under Article 6:170 of the Dutch Civil Code, liable for it as the employer. That too falls outside the travel policy. Assess the three strands — the traveller's costs, liability towards the traveller, liability towards third parties: separately from each other.
What does business travel insurance cover for companies?
The structure of the cover in three parts, with an overview per situation below.
The essentials
Medical
Costs and repatriation outside the Netherlands.
24/7 emergency assistance centre
Repatriation
Above the Dutch rate
Limited
Luggage
Business equipment is subject to sub-limits.
Laptop and phone
Samples and materials
Often declared separately
Optional
Interruption
If the trip does not go ahead or is cut short.
Cancellation
Replacement trip
Missed connection
What is covered
Situation
Standard
With extension
Medical expenses outside the Netherlands
Yes
Yes
Repatriation in case of illness or accident
Yes
Yes
Business equipment and samples
Sometimes
Yes
Cancellation of the trip
No
Yes
Taking part in high-risk sports
No
Sometimes
Travel to an area with a negative travel advisory
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Your duty of care extends to the workplace abroad
After an accident abroad the question is not whether the trip was insured, but whether you complied with Article 7:658 of the Dutch Civil Code. Did you map the local risks, give instructions and check that they were followed? Keep that record. The burden of proof lies in principle with you as the employer: you have to show that you did what could reasonably be expected of you.
Taking part in traffic during working hours
If an employee drives a hire car abroad for work and is injured, Article 7:611 of the Dutch Civil Code comes into play: a good employer is expected to make proper provision for that. Travel insurance pays the medical costs, but not your liability for the loss of earning capacity. For that, separate cover for employees as road users is needed.
Damage your employee causes to someone else
If an engineer drops a device at a client's site, your company is liable under Article 6:170 of the Dutch Civil Code for the subordinate's mistake. The travel policy plays no part there. Your public and employers' liability insurance (AVB) does, but its area of cover then has to include the country where the job is. Check that before you let anyone work outside Europe.
What the travel policy does not solve for you
Not covered under travel insurance are: compensation you owe to your own employee, liability for damage to third parties' property, and continued payment of wages and reintegration costs after absence. A trip to an area with negative travel advice also falls outside the cover, while your duty of care in fact becomes heavier there. Arrange separate insurance for those three items.
What does your premium depend on?
Nature of the work abroad. A commercial visit is weighed differently from installation, maintenance or working at height.
Risk profile of the destinations. Countries with a heightened security or traffic risk are rated higher.
Including an accident section. A payment for permanent disability or death is a separate section alongside the cover for costs.
Number of employees who travel. The size of the group you send out determines the exposure.
Sector and collective agreement terms. In some sectors, provisions for assignments abroad are laid down contractually.
Taken out separately or in combination. If the liability cover runs with the same insurer, the pricing of the package changes.
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.
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.
That depends on Article 7:658 of the Dutch Civil Code. You are liable unless you show that you complied with your duty of care, or that the loss results from intent or deliberate recklessness on the part of the employee. Recording which instructions you gave and what provisions were in place is therefore not a formality but your evidential position.
Does business travel insurance cover my liability as an employer?
No. The travel policy pays the traveller's costs: treatment, assistance, transport home and luggage. If an employee holds you responsible on the basis of your duty of care, that is a liability claim. It belongs with your public and employers' liability insurance (AVB), and for traffic injury with specific employer's cover for road users.
May I send someone to an area with negative travel advice?
Legally you cannot compel it, and in insurance terms it is unwise: virtually every travel policy excludes those destinations. Your duty of care meanwhile continues. If you go ahead, arrange separate cover with the insurer in advance and record in writing what you agreed with the employee.
What if my employee causes damage at the foreign client?
Then you as the employer are liable under Article 6:170 DCC. The employee is protected internally by Article 7:661 DCC, except in cases of intent or deliberate recklessness. So the claim ends up with your public and employers' liability insurance (AVB); check that its area of cover includes the country in question.
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.
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