Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Liability for mentors
A mentor decides about care, nursing, treatment and support, and it is precisely those decisions that are hard to express in money afterwards.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
That is where mentorship differs from protective administration. An administrator (bewindvoerder) manages assets; a mistake there can be traced to an amount. Mentorship is about the person: a move to an institution, consent to treatment, or the absence of it. The loss is often non-material, and the complaint rarely comes from the person concerned but from family or through the sub-district court.
Even so, the financial side is real. You account for your work periodically, and proceedings about how you perform your role cost time, legal assistance and sometimes your appointment. Professional indemnity insurance covers the pure financial loss resulting from a professional error and, depending on the policy, the cost of defence. Ask expressly about the latter, because in this work it is the element you need most often.
Outside the cover: intent under Article 7:952 of the Dutch Civil Code, fines and measures imposed, asset management if you are only a mentor, and damage the person concerned causes to third parties. The latter is their own liability, not yours.
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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 liability cover for mentors?
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?
- Number of mentorships. The number of open files is the main basis, more so than your turnover.
- Combination with administration or guardianship. If you perform several roles, all capacities must be on the policy and that counts in the premium.
- Sole trader or an office with staff. You are liable for the mistakes of staff under Article 6:170 of the Dutch Civil Code.
- Cover for defence costs. Insuring assistance in proceedings about how you perform your role raises the premium noticeably.
- Sum insured per claim. Determines the upper limit per case and, where there are many files, the maximum per insurance year as well.
- Retroactive cover and claims history. Decisions from earlier years can still lead to a complaint today; retroactive cover determines whether they count.
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 test is not the outcome but the reasoning
A decision about admission, treatment or where someone lives sometimes turns out badly without you having done anything wrong. What is assessed is whether you acted in the interests of the person concerned, whether you involved them in the decision as far as they were able, and whether you consulted care providers. Record who you spoke to, what the options were and why you chose as you did. Without those notes a good decision cannot be distinguished from a bad one.
Do not decide about money if you are only a mentor
Mentorship concerns the person, administration concerns the assets. If you nevertheless arrange payments, terminate a contract or sell something, you act outside your authority and outside the capacity described on your policy. If loss arises there, the cover is uncertain. If you perform both roles for the same person, have both capacities included on the policy schedule; that does not happen automatically with a dual appointment.
Consent and objection call for a file
You give consent to treatment on behalf of the person concerned. If they object, or if the care is involuntary, separate statutory safeguards apply and your agreement carries considerable weight. Note for each decision the date, the care provider, the alternative discussed and the reaction of the person concerned. That is not only careful practice; it is also the material with which you defend yourself when the family would have wanted a different choice.
The complaint usually comes from the family
Children who disagree with a move, a brother who thinks action came too late: that is what happens. Such conflicts run through the sub-district court, which reviews your account of your work and can dismiss you. A liability claim sometimes follows. So look above all at what your policy provides for defence costs, and keep a record of contacts with the family as you do of care decisions.
Frequently asked questions
This is what people ask us most.
What does a mentor decide about and what not?
About care, nursing, treatment and support: where someone lives, what care they receive, whether a procedure goes ahead. Not about money and possessions; that is the territory of the administrator or the guardian. If you do act in financial matters, that is outside your authority and outside your policy. If you are in doubt about the boundary, consult the sub-district court before you act.
I am both a mentor and an administrator. Is one policy enough?
Only if both capacities are on the policy schedule. Insurers cover what the description states, and a policy for mentorship does not cover asset management. Ask for both roles to be mentioned expressly and watch the sum insured: the risk in administration is financially measurable and often greater than the loss resulting from a care decision.
Am I liable for damage caused by the person I represent?
No. You represent them in decisions about care. You are not their supervisor in daily life. If they cause damage to someone else, that is their own liability and it runs through their own liability insurance, if they have one. That only changes if you yourself failed in a duty of care that clearly formed part of your role.
What if the sub-district court wants to dismiss me after a complaint?
Those are proceedings about how you perform your role, not a claim for damages. A dismissal is therefore not something an insurer pays out for. What can be arranged is the cost of legal assistance in those proceedings, through a module on professional indemnity insurance or through legal expenses cover. Ask before taking out the policy how it deals with this and up to what amount.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
- Liability for administrators (bewindvoerders)Accounting to the court, the subdistrict court, assets
- Liability for social workersCase files, spotting signals, professional confidentiality
- Liability for debt collection agenciesWki, unjustified claim, data
- Liability for educationalistsAdvice, minors, limitation periods
- Liability for remedial teachersDiagnosis, boundaries, referral
- Liability for education specialistsAdvice, implementation, scope
- Liability for private investigationLicence, privacy, methods
- Liability for bailiffsOfficial acts, time limits, professional discipline
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.