Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insurance for care and welfare
In care and welfare the risk lies outside your own premises: at the client's home, in the car in between and with the volunteers you deploy.
- 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
Home care, support work, youth care, social work and day activities have a different risk profile from a treatment practice. Your staff work on location, often alone, and drive from address to address all day. That traffic risk falls outside liability insurance, which excludes damage caused with or by motor vehicles, while as an employer you do have to make proper provision under Article 7:611 of the Dutch Civil Code.
The second feature is the client. Aggression, unpredictable behaviour and physically demanding lifting turn a home visit into an occupational risk. Article 7:658 of the Dutch Civil Code places the duty of care with you: instruction, a lone working protocol, an alarm system and a response to it. If a member of staff is injured, the question is which measures you can show you had taken.
The third feature is volunteers and trainees. A local authority volunteers policy covers the volunteer, but not your organisation's liability for what they do. We bring community work, the use of volunteers and care, custody and control at the client's home together in a SME insurance package; for treatment work see healthcare.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
What does insurance for care and welfare 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?
- Share of community work. The number of home visits and kilometres during working hours determines the road risk.
- Target group. Youth care, addiction care and sheltered housing carry a higher risk of aggression than day activities.
- Volunteers, trainees and self-employed staff. Everyone who visits a client on your behalf counts towards the circle of insured persons.
- Residential or 24-hour care. A site with overnight stays brings fire, supervision and custody risks with it.
- Road traffic injury and personal accident cover. Whether or not employees on the road are included makes a considerable difference.
- Payroll and absence history. The basis of calculation for the staff sections, with sickness absence as a weighting factor.
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.
The road risk of working in the community
Your liability policy excludes motor vehicles, while your staff are constantly on the road during working hours, often in their own cars. Good employment practice under Article 7:611 of the Dutch Civil Code calls for proper insurance for road use during work. In community care that is not a borderline case but daily practice; road traffic injury insurance for employees covers that gap, including for single-vehicle accidents.
Aggression from clients is an occupational risk
In home visits, youth care and sheltered housing, physical and verbal aggression occurs. Article 7:658 of the Dutch Civil Code obliges you to take measures: a risk assessment, instruction, a lone working protocol and an alarm system that works. Injury to your employee comes back to you unless you show you complied with that duty of care. Only where the employee acted deliberately or with wilful recklessness does the limitation in Article 7:661 DCC apply.
Volunteers and trainees are not automatically on your policy
Many local authorities have a group volunteers policy, but that protects the volunteer and not your organisation. You can be held responsible yourself for damage a volunteer causes at a client's home. Include volunteers, trainees and self-employed support workers you hire expressly in the circle of insured persons, and check whether personal accident cover applies to them as well.
Damage in the client's home
A patient hoist hitting a door frame, spilled liquid on a wooden floor, a lamp knocked over during personal care: that is damage to someone else's property temporarily in your custody. Without a care, custody and control module that category is excluded and you pay yourself. Choose a limit that fits an average household, and set out in your work instructions that damage is reported straight away.
Frequently asked questions
This is what people ask us most.
Are my staff insured when driving their own cars?
Not on the liability policy. That excludes damage with or by motor vehicles. As an employer you do have to make proper provision under Article 7:611 of the Dutch Civil Code for road use during working hours. Road traffic injury insurance for employees covers injury and damage, including single-vehicle accidents and including where the employee caused the accident.
Does the local authority volunteers policy cover my organisation?
No. That scheme is intended to protect the volunteer against accidents and personal liability. If your organisation is held responsible for damage a volunteer caused at a client's home, the local authority policy offers no cover. So include volunteers expressly in the circle of insured persons on your own liability policy.
Who pays for injury after aggression from a client?
In reality, often your organisation. Article 7:658 of the Dutch Civil Code places a duty of care on the employer and where aggression is involved that duty is a heavy one: a risk assessment, instruction, a lone working protocol and an alarm system that works. If you can show you had taken those measures, your position is stronger. Personal accident cover for staff absorbs part of the consequences.
Is damage in a client's home covered?
Only with a care, custody and control module. The client's property in your custody while providing care, such as furniture, floors and appliances, falls outside standard cover. Choose a limit that fits a normally furnished home and make sure staff report damage straight away; reporting late runs into the duty to notify in Article 7:941 of the Dutch Civil Code.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Insurance for welfare organisationsVolunteers, board, clients
- Insurance for staff and employmentSickness absence, WGA, road risk
- Insurance for the justice and enforcement sectorLiability, staff, property
- Insurance for healthcareTreatment liability, records, staff
- Insurance for SMEsLiability, assets, staff
- Business vehicle insuranceUse, drivers, claims burden
- Liability for charitiesVolunteers, board, donations
- Liability for budget coachesFinancial advice, the Wft boundary, debts
Read more
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.