The process operator and their insurance

It is not required by law, but in the process industry almost every client requires it by contract, with a minimum sum insured. Without cover you bear the loss yourself, and with injury or a damaged installation that can run high. Check that the amount required and the care, custody and control section appear on your policy.

Not automatically. If you work under a contract for services, you are an independent contractor and not insured on the hirer’s policy. Sometimes you do count as a co-insured party, but then it says so expressly in the contract and on the policy schedule. Ask for written confirmation of that before the work starts.

Sudden environmental damage resulting from a covered event may be included subject to conditions, but gradually occurring contamination is excluded on a liability policy. Clean-up costs on your own site fall outside it as well. Separate environmental damage insurance exists for that. In the process industry, that distinction is often the point of dispute when a claim is made.

As a self-employed person you have no right to continued pay or sickness benefit. If you want an income during illness or after an accident, disability insurance (AOV) or joining a broodfonds (a mutual sick-pay fund) is the route. The premium depends on your occupation, the waiting period you choose, the end age and the amount insured per month.