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
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.
The structure of the cover in three parts, with an overview per situation below.
The basics
Liability
AVB for property damage and injury, BAV for professional errors.
Damage to third parties
Employers' liability
Care, custody and control as an extension
Your business
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
If you employ people
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.
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.
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.
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.
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.
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.
