Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Liability for guides
As a guide you are liable for the choices you make in the field: the route, the pace and the moment you call a trip off.
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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
Where a participant is injured, the question is rarely whether an accident could happen. The question is whether you should have adapted the trip to the group you had that day. That is the test under Article 6:162 of the Dutch Civil Code: did you act as a careful guide would, given the weather, the terrain and the condition of the participants. Liability insurance only pays if that reproach is justified. If there is no fault, there is no payment either.
Participants are third parties as far as your policy is concerned. Guides you hire in are not: as the party engaging them, you can be held liable for their mistakes under Article 6:170 or 6:171 of the Dutch Civil Code, and if they are injured themselves, Article 7:658 of the Dutch Civil Code comes into play. So always declare guides you hire in.
Note what is not included. Climbing, abseiling, diving and caving trips are listed by many insurers as hazardous sports in the exclusions, motor vehicles are outside the cover as standard, and so is property in your care. If you want those elements covered, they have to be on the application form. See also the professional indemnity insurance for self-employed professionals.
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What does liability insurance for guides cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | 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?
- Type of trips. A city walk is weighted differently from a mountain trek, a cave visit or a trip on open water.
- Group size and number of participants per year. More people per trip means more exposure; insurers usually work with the annual total.
- Working area. The Netherlands, Europe or beyond. Trips abroad require a separate arrangement on the policy.
- Hiring in fellow guides. Guides hired in count in the risk and must be declared separately.
- Carrying participants yourself. If you drive, motor insurance is needed for that; liability insurance excludes it.
- Sum insured and excess. Site managers and tour operators sometimes set a minimum per claim as a condition.
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.
Your choice of route is your file
After an accident it will be reconstructed which group you had, what the weather forecast was and why you carried on or turned back. Note for each trip the composition of the group, the instructions you gave and your assessment of the terrain and the weather. Without that note it is your word against the participant's, and you carry the evidential risk where fault is alleged under Article 6:162 of the Dutch Civil Code. A short note for each trip is more useful than an elaborate protocol you do not keep up.
Participants are third parties, your assistant guides are not
A participant who is injured comes to you as a third party. A second guide you hire in for an extra group falls into a different category: if they make a mistake, you are liable as the party engaging them under Article 6:170 or 6:171 of the Dutch Civil Code. If they are injured themselves while working for you, the duty of care under Article 7:658 of the Dutch Civil Codeapplies, including towards self-employed people. Report guides you hire in to your insurer; they count in the risk.
Active elements are often in the exclusions
Climbing, abseiling, diving, caving and trips on open water are excluded as hazardous sports by many insurers. The same applies to trips outside your declared area of operation and to carrying participants in your own minibus. Describe exactly which elements you offer on the application. If you leave one out, the insurer can rely on Articles 7:928 and 7:930 of the Dutch Civil Code and reduce or refuse the payout.
Damage at the site where you are a guest
You work in someone else's museum, castle, nature reserve or factory. If your group damages something there, that is property damage to a third party. If you are given the key or exclusive access outside opening hours, you have those premises or that site in your care, and care, custody and control is excluded on standard liability insurance. Ask for care, custody and control cover if you regularly have a site to yourself, and agree with the site manager who is responsible for which part of the supervision.
Frequently asked questions
This is what people ask us most.
Are my participants insured against their own injuries?
No. Liability insurance only pays if you are liable. If someone trips over a tree root without any fault on your part, there is no cover and no payment. If you still want to offer participants something, that is personal accident insurance for participants. It pays a fixed amount for permanent injury or death, regardless of who was at fault.
I sometimes hire in a second guide. Who is liable then?
You are, as against the participant. You are liable for the mistakes of a guide you hire in, as the party engaging them, under Article 6:170 or 6:171 of the Dutch Civil Code; the participant does not have to work out who exactly was leading. Whether you can recover internally depends on your arrangements with that guide. Report hiring in to your insurer, otherwise the risk is not covered.
May I carry participants in my own minibus?
In insurance terms that is a separate risk. Liability insurance excludes damage caused with or by motor vehicles. For those the compulsory insurance requirement of Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies, and therefore motor insurance. Carrying passengers commercially is also subject to its own rules. Discuss in advance whether your minibus is on the business policy and whether carrying participants is included in it.
Do I have to report that I also run abseiling or caving trips?
Yes. When you apply, the duty of disclosure under Article 7:928 of the Dutch Civil Codeapplies: you state what you actually offer. If it turns out after an accident that you did not declare a high-risk element, the insurer can reduce or refuse payment under Article 7:930 of the Dutch Civil Code. If you add an activity later, report it during the policy term.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
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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.