Liability insurance vve
As a homeowners' association, you are responsible for damage that the building causes to third parties. Liability insurance is legally required and protects against often high damage claims. From falling roof tiles to personal injury!
🛡️ Premium indication 2025
Legally Required Since Model Regulations 1983!
For homeowners' associations established from 1983 is liability insurance Legally required according to the model regulations. This insurance is also highly recommended for older homeowners' associations because of the duty of care of the board. Without insurance, the homeowners' association must pay damage claims jointly - and these can be quite expensive!
Liability insurance vve
The liability insurance VvE (also called third party liability insurance or AVB) covers damage caused by the building third parties or their property. As a homeowners' association, you are the legal owner of the building and are therefore responsible for any damage.
Think of one roof tile blowing loose and falls on a car, a facade panel that comes loose and injures a pedestrian, or a leakage that causes damage to an underlying building.
Claims for damages to third parties are possible rise very high, especially in the case of personal injury. Consider medical costs, loss of income, compensation and permanent disability. Amounts of tens of thousands to hundreds of thousands of euros are no exception.
Without insurance, all owners have to joint pay these costs on the basis of the deed of division. That can be financially disastrous!
What Damage is Covered?
The three main categories of damage that homeowners' association liability insurance covers.
Personal injury
Bodily injury to persons caused by the building. For example, a pedestrian who is injured by a loose facade panel or a visitor who falls due to a slippery floor in the hall.
Material damage
Damage to property of third parties. For example, a car that is damaged by falling roof tiles during a storm, or a bicycle that is damaged by crumbling concrete.
Damage that results indirectly from an incident. For example, a leak from the homeowners' association building that causes water damage in an underlying shop or office building.
Situations in which homeowners' association liability insurance offers a solution.
During a heavy storm, several roof tiles were blown off the complex, damaging three parked cars. The owners claim the damage from the homeowners' association. Liability insurance reimburses car damage.
A facade panel comes loose and hits a passing pedestrian. The victim suffers a broken arm and concussion. The medical costs, damages and lawyer's fees are claimed from the VvE.
A leak in the parking garage causes water damage in the store on the ground floor. The retailer claims damage to his stock and loss of turnover due to forced closure at the VvE.
A volunteer falls from a ladder while hanging Christmas lights in the hall. He breaks his hip and cannot work for 6 months. As the client, the VvE is (jointly) liable.
Expand your liability insurance with these optional coverages.
Coverage for damage to rented equipment such as aerial work platforms, scaffolding or tools during maintenance work.
Coverage for damage to employees (such as a caretaker) during work for the homeowners' association.
Coverage for accidents of volunteers who do odd jobs for the VvE, even if the VvE is not liable.
Both insurance policies are necessary and complement each other!
- • Covers damage that you cause privately
- • For example: knocking over a vase at someone's home
- • Or: water damage from your washing machine
- • Applies to you and your family members
- • Does NOT cover damage caused by the building
- • Close yourself as a private individual
- ✓ Covers damage caused by the building to third parties
- ✓ For example: roof tile falls on car
- ✓ Or: visitor falls into communal hall
- ✓ Applies to the VvE as a legal entity
- ✓ DOES NOT cover your private liability
- ✓ Will be closed by the VvE board
Know what the homeowners' association liability insurance does and does not cover.
- ✓ Personal injury to third parties due to the building
- ✓ Material damage to third party property
- ✓ Consequential damage (e.g. loss of store turnover)
- ✓ Damage from falling roof tiles and facade parts
- ✓ Damage due to leaks to other buildings
- ✓ Damage to third parties working in the building
- ✓ Accident volunteers (often co-insured)
- ✓ Damage due to slippery floors, unsafe stairs
- ✓ Legal defense costs
- ✓ Rescue costs (preventing damage)
- ✗ Damage from natural disasters (flood)
- ✗ Damage caused intentionally
- ✗ Damage due to overdue maintenance
- ✗ Damage to your own building (building insurance)
- ✗ Private liability of residents
- ✗ Damage caused by private residents
- ✗ Contractual liability
- ✗ Fines from Labor Inspectorate
- ✗ Damage caused by motor vehicles VvE
- ✗ Known defects during closing
Why Choose Us?
Extensive experience with liability insurance specifically for homeowners' associations.
High insured amounts for maximum protection against claims.
Accident volunteers are often insured as standard.
Rental & use, employer's liability optional.
Combine with buildings, legal assistance and directors' liability.
Professional claims handling by specialized lawyers.
We compare 30+ insurers for the best premium and coverage.
More than 50 years of experience in homeowners' association insurance.
Compare the best liability insurance for homeowners' associations now. Legally required!
