Treatment relationship · injury · disciplinary proceedings
Liability insurance for care and welfare
In care, liability is personal and the loss is usually injury. Disciplinary law is added to that, and those are proceedings where you incur costs even without being liable.
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Deze pagina in het Nederlands: Aansprakelijkheidsverzekering zorg en welzijn.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
Care providers, therapists, dietitians, educationalists and social workers work in a treatment relationship. If something goes wrong, it usually involves injury or loss caused by incorrect treatment or advice.
Alongside civil liability there is professional disciplinary law. A disciplinary complaint costs time and legal assistance, even if it turns out to be unfounded. Check whether those costs are insured.
This page deals with one part. The overview of all parts is on the main page on public and employers' liability.
What to look out for
Insuring assistance in disciplinary proceedings
Disciplinary proceedings are separate from liability but still cost money. Not every policy covers assistance in them.
The description of your profession
Forms of treatment not stated on the policy are not covered. If you add a technique or a client group, report it.
Professional association and registration
Many insurers require registration in a professional register and compliance with the professional code as a condition.
Client data
You process special categories of personal data. A data breach in care weighs more heavily; cyber cover is far from a luxury here.
What determines the premium
- Profession and form of treatment
- Annual turnover or number of clients
- Sum insured per claim
- Registration and professional code
- Claims history
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
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.
Frequently asked questions
Does my policy cover a disciplinary complaint?
Not always. Disciplinary law is separate from civil liability; check whether the cost of assistance is insured.
What if I offer a new form of treatment?
Report it. The policy covers the activities stated on it; a form of treatment that has not been reported is not insured.
Does my professional association impose requirements?
Often yes: registration in a professional register and compliance with the professional code are regularly underwriting conditions.
Do I also need cyber insurance?
If you process medical data, it is strongly advisable. Special categories of personal data make a data breach more serious and more expensive.
What is covered and what is not
What is covered
| Situation | AVB | BAV |
|---|---|---|
| A client trips over a raised threshold in your practice room and breaks a wrist | Yes | No |
| An employee strains themselves lifting a client and is off work for months | Yes | No |
| You knock over a mug of coffee onto a laptop a client has with them | Yes | No |
| Your dietary or exercise advice does not suit the client's condition and their health suffers | No | Yes |
| You miss a warning sign and do not refer the client on; the condition is only recognised months later | No | Yes |
| A client leaves a series of invoices unpaid and you want to recover the money | No | No |
If you also work as an employee, check whether your employer's policy covers you personally; as a self-employed professional it is your own name in the claim.
Read more
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