As the owner of a building you are liable for loss caused by defects in that building, even where you did nothing wrong. That is strict liability, and it is separate from your buildings insurance.
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In brief
The law places on the owner of a building a strict liability: if the structure is defective and loss arises as a result, you are liable. Fault does not have to be proved.
Think of a facade panel that comes loose, a defective balcony, a slippery entrance or a tree falling on your grounds. You cover that risk with property owners' liability insurance, not with the buildings policy.
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.
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