Klaverblad business liability insurance
Klaverblad is one of the insurers Finass works with. On a business liability policy the difference lies not in the name on the policy schedule, but in which sections appear on it.
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In brief
Finass Advies is an independent intermediary and compares the offerings of several insurers; Klaverblad is one of them. Business liability insurance is not a single product but a policy made up of sections. The general liability section covers injury and property damage that you or your staff cause to third parties, on the basis of tort under Article 6:162 of the Dutch Civil Code and the strict liabilities for structures (6:174 DCC) and animals (6:179 DCC). The employer's liability section covers injury to your own staff. Which sections you need follows from your work and not from the choice of insurer.
What such a policy does not cover matters just as much. Pure financial loss falls outside it: a client who only loses money through poor advice or an incorrect calculation claims on the professional indemnity insurance, not on the AVB. Damage caused with a motor vehicle belongs on the compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM). And damage to property you have in your care but do not own falls under the care, custody and control exclusion, unless a separate clause has been added for it.
The general explanation of cover, sum insured and claims is on the hub page public and employers' liability insurance. This page is about the choice: we test Klaverblad's conditions and those of other insurers on the points your business runs into. If you work with hazardous substances or with a soil risk on your own site, look at an environmental damage insuranceas well; disputes with clients or suppliers belong on a business legal expenses insurance.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
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Personal liability insurance (AVP)
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Get coveredWhy 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.
What to look out for
Four elements on which business liability policies differ from one another, whichever insurer you end up with.
The capacity described sets the limit for everything
The policy schedule states the capacity in which you are insured. Anything outside it is not covered, even if the loss as such is insurable. A business that takes on a second activity and does not report it only finds that out when a claim comes. So report extensions in advance; Article 7:928 of the Dutch Civil Code requires you to answer fully and correctly when you apply.
Employer's liability is a separate section
Injury to your own staff falls under Article 7:658 of the Dutch Civil Code, where you have to show that you complied with your duty of care. That section is not automatically included. Road use by employees is usually outside it as well. There is separate cover for that, explained under WEGAS and WEGAM.
Care, custody and control, motor vehicles and goods supplied
Three exclusions appear on virtually every business policy. Care, custody and control: damage to someone else's property that you have borrowed, hired or are working on. Motor vehicles: damage caused with a car, forklift truck or plant that falls under the WAM. Your own work: replacing or repairing your own defective product or work, including the cost of a recall.
Sum insured per claim and per year
Virtually every AVB has two limits: an amount per claim and a capped amount per insurance year, often double that. Where there are several claims in one year, that annual limit is decisive. Also check whether defence costs fall within or above the sum insured. That differs from insurer to insurer and makes a considerable difference in a long-running dispute.
What does your premium depend on?
- Turnover and payroll: the two usual rating bases for an AVB
- Described business activity: construction and industry are weighted differently from office work
- Sections included: employer's, care, custody and control and tenant's liability
- Sum insured and excess: per claim and per insurance year
- Area of cover: supplying or working outside Europe changes the risk
- Claims history: previous claims count in the underwriting and the premium
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVB | BAV |
|---|---|---|
| An employee drives a forklift truck into the client's racking | Yes | No |
| Your estimator miscalculates a quotation and the client only loses money | No | Yes |
| A fire in the business premises you rent, caused by your staff's carelessness | Provided that | No |
| A visitor is injured when a canopy comes away from your premises | Yes | No |
| A dimensional error in your drawing makes the steel ordered unusable, with no further damage | No | Yes |
| A customer's appliance falls off your workbench while you are repairing it | No | No |
Injury and damaged property run through the AVB, purely financial loss through the BAV; property in your care calls for separate care, custody and control cover.
Frequently asked questions
This is what people ask us most.
Do I take out the policy with Klaverblad or with Finass?
The insurance contract is between your business and the insurer. The policy schedule and the conditions come from that insurer. Finass acts as intermediary, advises on the sections and remains your point of contact afterwards for changes, renewal and claims. Our role, our remuneration and the complaints procedure are set out in the service guide.
Why is pure financial loss excluded?
Liability insurance for businesses is built around injury and damaged property. Financial loss without injury or property damage is a different risk, with a different scale of loss and different pricing. Insurers place it on professional indemnity insurance. If you supply advice, design or calculations, you need both policies.
Is damage to the business premises I rent covered?
Only if tenant's liability is insured. Without that section you carry fire or water damage to the premises you rent yourself, while the owner holds you liable for it. Ask about this cover expressly when you request a quotation and give the rented floor area. It is a separate section and not an automatic part of the policy.
When must I report a claim?
As soon as you are reasonably aware that someone is holding, or is going to hold, you liable. That follows from Article 7:941 of the Dutch Civil Code. Do not admit liability and make no undertaking before the insurer has responded. The policy places the settlement of the claim with the insurer. You can notify a claim through report a claim.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
- Business liabilityAVB, BAV, employers' liability
- Insurance for self-employed professionals (zzp'ers)Before, during, after the job
- Liability as a self-employed professional: which cover do you need?AVB, professional indemnity, care, custody and control
- Misconceptions about liability insuranceCare, custody and control, staff, your own losses
- Liability insurance for self-employed professionalsClient requirements, private assets, sum insured