Liability insurance for industry and the petrochemical sector
Anyone working at a refinery or production site can shut an installation down with a small mistake. The loss is then the downtime, not the repair.
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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 for yourself what it would cost.
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- 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
In industrial and petrochemical work (welding, flange fitting, pipefitting, rigging, process supervision) you work on other people's installations. That means the care, custody and control exclusion affects almost everything you do.
The real exposure is loss caused by downtime. A leaking flange or an incorrectly fitted line can shut a production line down for days, with a loss many times the value of the job.
This page deals with one part. The overview of all parts is on the main page on public and employers' liability.
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.
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.
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.
What to look out for
Clients demand high limits
On industrial contracts the sums insured required often run into millions. Ask for the requirement before you tender.
Here care, custody and control is the rule, not the exception
By definition you work on someone else's installation. Without care, custody and control cover the core of your work is uninsured.
Agree downtime losses separately
Pure financial loss from production downtime is not automatically covered by the AVB. Have it recorded whether and up to what amount it is insured.
Certification and work permits
VCA, welding certificates and work permits are often underwriting conditions. Keep them current and be able to produce them.
What determines the premium
- Annual turnover and payroll
- Type of work
- Sum insured per claim
- Working area: the Netherlands, EU or worldwide including offshore
- Certification and 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.
Frequently asked questions
What are downtime losses?
The financial loss a client suffers because its production is at a standstill. It can be many times the cost of the repair and is not automatically covered by the AVB.
Why does care, custody and control matter so much here?
Because you work on the client's installations. Damage to property in your care is excluded as standard, and that is precisely your work.
What sum insured do clients ask for?
On industrial contracts, often several million per claim. The exact requirement is in the contract or the specification.
Does the cover also apply offshore?
Only if that is insured expressly. Offshore is excluded as standard almost everywhere.
Every situation is different. For these situations we have a separate page.
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