Injury and property damage
- Trade fair and event stands
- Shoots on location
- Damage to hired premises
Public and employers' liability insurance (AVB) for marketing agencies
A marketing agency mainly causes physical damage outside the office: during shoots, at trade fairs and at events for clients.
- 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.
Which details do we ask for?
Business quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
- Choose your insurance(s) (required)
- Apply as (required)
Additional questions follow per chosen insurance.
Additional questions follow per chosen insurance.
- Would you like to include other business insurances? (required)
Additional questions follow per chosen insurance.
- Preferred start date
- Already have business insurance?
- Is there anything we should know? (required)
- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
- I agree to the privacy statement, declare that the information is correct and complete to the best of my knowledge, and understand that this quote request does not yet provide insurance cover. (required)
Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A marketing agency works largely behind a screen. Strategy, campaigns, content and advertising rarely lead to injury or property damage. That changes as soon as the agency goes out: a photo shoot on location, a stand at a trade fair, a product launch or an activation in a shopping centre. A lighting stand that topples over, a visitor tripping over a cable or a damaged floor in a hired venue are typical claims covered by business liability insurance (AVB).
What business liability insurance does not cover is a professional error. A campaign using an image for which there was no licence, an advert deemed misleading or a wrongly configured ad campaign that burns through a client's budget: that is financial loss. For that you need professional indemnity insurance (beroepsaansprakelijkheidsverzekering), preferably with cover for infringement of intellectual property rights.
Then there is equipment: cameras, lighting and trade fair materials that you hire or borrow fall under the care, custody and control exclusion (opzichtuitsluiting). We map out which activities your agency carries out away from the office, which equipment you use and what requirements clients set, and tailor the cover accordingly.
Independent, personal, sorted quickly
We compare your personal liability insurance (AVP) across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does the AVB cover for a marketing agency?
Your choice depends on how much you work outside the office and which equipment and venues you use when doing so.
Employers' liability
Employers' liability for staff and freelancers on location.
- Building trade fair stands
- Lifting and working at height
- Freelancers under your direction
Care, custody and control and equipment
Hired and borrowed equipment falls under care, custody and control and needs separate arrangements.
- Cameras and lighting
- Trade fair materials and displays
- Excess per claim
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A visitor is injured at your fair stand | Yes | Yes |
| You damage equipment at a client's office | Yes | Yes |
| Injury to a freelancer during the build-up | Yes | Yes |
| Damage to equipment hired from a rental company | No | Provided that |
| The client's loss of turnover through a failed campaign | No | No |
| A claim for using an image without a licence | No | No |
Which sections are included and which limits and excesses apply is set out in the policy conditions and on the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Turnover: the usual basis for calculation
- Number of employees: including freelancers and students on placement
- Share of work done on site: shoots, trade fairs and events
- Type of clients: small and medium-sized businesses or large brands
- Sum insured: per claim and per year
- Claims history: previous claims and notifications
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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 real-life situations that make the difference for a marketing agency.
Lighting stand falls on a visitor
During a product shoot in a showroom, a lighting stand topples over and hits a visitor on the head. The visitor suffers a concussion and holds the agency liable. That injury is covered by business liability insurance, including the costs of defence. Use sandbags, cordon off the set and record who is responsible for setting up. That helps establish liability between the agency, the photographer and the venue.
Trade fair stand and hired floor
While building a trade fair stand, an employee damages the hall floor or a neighbouring stand. The fair organiser recovers the damage from your agency. Damage to the neighbouring stand falls under liability; damage to the hired stand space may fall under care, custody and control and therefore be excluded. Read the stand rental terms, as fair organisers often require liability insurance with a minimum sum insured.
Hired camera damaged
You hire a camera kit worth several thousand euros for a shoot. An employee drops the camera. Because the kit was in your care, the damage falls under the care, custody and control exclusion of the business liability insurance. Rental companies sometimes offer their own cover, often with a high excess. Equipment or electronics insurance, or care, custody and control cover on your policy, can arrange this better.
Image without a licence
A client runs a campaign with a photo your agency took from the internet. The rights holder demands a licence fee and a penalty. The client recovers this from your agency. That is financial loss caused by a professional error and falls outside business liability insurance. Professional indemnity insurance with cover for intellectual property infringement can cover such a claim. Check whether that cover is in your policy.
Frequently asked questions
Questions from marketing agencies about their liability insurance.
Does a marketing agency actually need business liability insurance (AVB)?
For an agency that only works in the office, the physical risk is small. Even so, many clients, trade fair organisers and venue owners ask for proof of liability insurance. And as soon as you organise shoots, events or activations, the risk becomes real. An AVB is relatively inexpensive for office-based businesses. For most agencies, combining it with professional indemnity insurance makes the most sense.
Are freelancers I hire insured?
Freelancers working under your direction may count as subordinates for insurance purposes. Damage they cause to third parties is then covered by your business liability insurance. If a freelancer is injured themselves, you as the principal may be liable for unsafe working conditions. Include hired-in workers in your declaration to the insurer and ask freelancers to have their own policy for their own work.
Is using a drone at a shoot covered?
Usually not. Business liability policies generally exclude damage caused by aircraft, including drones. For commercial drone use you need separate aviation liability insurance, and the pilot must comply with the European drone rules. If you hire a drone pilot, ask about their insurance and proof of qualification. We can help arrange a drone policy if you fly yourself.
What sum insured is usual for an agency?
For a marketing agency, € 1,250,000 or € 2,500,000 per claim is common. Trade fair organisers and large clients sometimes require a minimum of € 2,500,000. For professional indemnity the amount is often lower, depending on the size of the assignments and client requirements. We compare your contracts and stand rental terms with the policy and set the amount at the highest requirement.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
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- Liability insurance for a self-employed content marketerShooting on location, image rights, borrowed equipment
What does your cover cost?
Request a quotation without obligation. We set the location and care, custody and control clauses of each insurer side by side.
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.