Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Preventing claims: what works
Most claims we see are not about a mistake in the work, but about an expectation that was never put on paper.
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- 9.5 customer rating for a new policy
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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
This page is not about a form of cover but about behaviour. Liability arises under Article 6:162 of the Dutch Civil Code only where a standard has been breached and loss results from it. In reality businesses rarely come unstuck on the standard itself; they come unstuck on their evidential position. Anyone who cannot show what was agreed, what was warned about and what fell outside the assignment loses an argument that could have been won on the merits.
There are also three moments at which you can damage your own cover without anything going wrong in the work. When application: an incomplete statement of your activities gives the insurer a right to rely on Article 7:928 and 7:930 DCC. In the case of notification: notifying late prejudices the insurer's investigation and touches Article 7:941 of the Dutch Civil Code. In the case of acknowledgement: admitting liability yourself or reaching a settlement without consultation is a ground on virtually every policy for not paying the loss.
The three habits below cost no premium. They do determine whether a claim falls within your policy or outside it. We go through them with you as a matter of course in a portfolio review.
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What does preventing claims involve: what works?
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?
- Claims history. The number of claims notified weighs more heavily at renewal than the amounts paid.
- Description of activities. The more precisely your activities are described, the less argument there is when a claim comes.
- Use of your own terms and conditions. Terms demonstrably handed over, with a limitation of liability, reduce the risk.
- Excess per claim. A higher excess reduces the premium and keeps small files out of your claims history.
- Sum insured per claim and per year. Clients often require a minimum. A higher limit increases the premium.
- Retroactive and run-off risk. Cover for past work or for claims after termination is priced separately.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Put on paper what is not included
A confirmation of instructions that only describes what you do leaves the rest open. State expressly what falls outside the assignment: no check on the structure, no tax assessment, no inspection of existing work. Record additional work before it is carried out, not on the final invoice. Most claims about work delivered "too narrowly" disappear as soon as you can show that the limitation was discussed and accepted in advance.
Warn in writing and keep it
If you see a risk you are not resolving yourself — a sunken floor, an outdated installation, an assumption by the client that is wrong: report it by email and keep proof of sending. When a claim comes, the difference between "he saw it and said nothing" and "he warned and nothing was done" determines where responsibility lies. A verbal warning does not exist afterwards.
Notify at once, never admit
Notify a claim, or a circumstance that could lead to a claim, as soon as you know of it. Article 7:941 of the Dutch Civil Code requires it and notifying late costs cover where the insurer is prejudiced as a result. At the same time, never say that it was your mistake, pay nothing in advance and reach no settlement without consultation. You may apologise for the way things went. An admission of liability is a legal act that belongs to the insurer.
Check what your policy structurally does not cover
Prevention does not help against exclusions. Permanently outside the cover are: intent under Article 7:952 of the Dutch Civil Code, fines and penalty payments, the cost of redoing your own work, liability you assumed contractually that goes beyond liability in law, and loss from activities that are not on your policy schedule. So review the description of your activities every year.
Frequently asked questions
This is what people ask us most.
May I tell a customer it was my mistake?
No. Virtually every policy prohibits admitting liability without consent, because it undermines the insurer's negotiating position. You may show sympathy, give an explanation and say that you will notify your insurer. Describe factually what happened and leave the legal assessment to the claims handler. An email saying "sorry, we got this wrong" will be used against you later.
Does a limitation of liability in my terms and conditions help?
Against business clients, often yes, provided the terms were handed over before or when the contract was concluded and do not appear for the first time on the invoice. Against consumers, far-reaching limitations are more readily found unreasonably onerous. A limitation also only helps with contractual liability; where a third party who is not a party to the contract is injured, it is beside the point.
When is a circumstance already worth notifying?
As soon as you can reasonably expect a claim to arise from it. An angry email, a defect found in completed work or an accident at your premises already qualifies, even without a letter of claim. Notifying early costs you nothing: a notification of circumstances is not a claim. If you wait until a lawyer writes, the insurer may be prejudiced in its investigation and your cover is open to question.
Does better work prevent claims more than a better policy?
The two do different things. Recording, defining scope and warning reduce the chance of an argument arising and improve your position if one does. A policy changes none of that, but it carries the cost of defence and of a justified claim. Practice shows that the files that turn out most expensive rarely involve the most serious mistakes, but the most poorly documented ones.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
- Liability insurance for secretarial servicesTime limits, correspondence, confidentiality
- Liability for solicitorsNOvA regulation, time limits, disciplinary law
- Liability for consultantsAdvice, scope, limitation
- Liability for engineering consultanciesCalculations, DNR, long tail
- Liability for education specialistsAdvice, implementation, scope
- Misconceptions about liability insuranceCare, custody and control, staff, your own losses
- Liability for legal professionalsTime limits, advice, run-off
- Liability for educationalistsAdvice, minors, limitation periods
Read more
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.