Public and employers' liability
- Injury to colleagues or third parties
- Damage to installations and buildings
- Care, custody and control usually insured on a limited basis
The process operator and their insurance
Anyone operating installations in chemicals, petrochemicals, energy or food works with high values and strict client requirements. Below you can read which covers go with that work.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
A process operator monitors and operates installations where one wrong action quickly leads to a shutdown, an outage or injury. Liability for that follows from Article 6:162 of the Dutch Civil Code: anyone who acts unlawfully and causes damage in doing so must make it good. Whether you work on your own account or with staff, that liability is yours to carry; clients in the process industry also almost always require liability cover with a minimum sum insured.
The basis is public and employers' liability insurance, which covers injury and damage to property. What often causes friction is care, custody and control: damage to a client’s installations or tools that were in your care. There is also loss without physical damage, such as a production line standing still. That is pure financial loss and is not covered by ordinary liability cover. If you have staff, the employer’s liability under Article 7:658 of the Dutch Civil Code counts as well.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
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Which covers come into play
Three elements that recur almost every time in work in the process industry.
Tools and plant
Your own equipment on site and in transit.
- Theft from a van often limited
- Requirements for locks and storage
- Hired equipment to be declared separately
Incapacity for work
If you are self-employed, you fall back on yourself when you cannot work.
- No continued pay without an employment contract
- The waiting period determines the premium
- Occupation and how demanding it is count
What is covered
| Situation | Liability | Professional indemnity |
|---|---|---|
| Injury to a colleague through your actions | Yes | No |
| Damage to the client’s installation | Yes | No |
| Damage to items in your care, custody and control | Provided that | No |
| Loss of production without physical damage | No | Provided that |
| Gradually occurring environmental damage | No | No |
| Fines and penalty payments | No | No |
Environmental damage that arises gradually calls for separate environmental damage insurance; fines and penalty payments cannot be insured.
What does your premium depend on?
- Nature of the work: chemicals weigh more heavily than food
- Turnover and payroll: the basis for the premium
- Sum insured per claim: often required by the client
- Care, custody and control included: increases both premium and cover
- Whether or not you have staff: employer’s liability counts
- Working area: the Netherlands, Europe or worldwide
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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 the process industry
Two points that decide whether your cover is adequate when a claim is made.
The client prescribes the cover
In chemicals and petrochemicals, contracts contain fixed requirements: a minimum sum insured per claim, cover for care, custody and control, and sometimes a statement that the client counts as a co-insured party. Safety requirements count too, such as working to VCA standards and the rules on potentially explosive zones. Put the contract wording alongside your policy before you sign. A certificate of insurance without the right sections will not help you when you claim.
What stays outside every liability policy
Not covered are intent and recklessness (Article 7:952 of the Dutch Civil Code), fines and penalty payments, gradually occurring environmental damage and damage to your own work or to goods you have supplied. Pure financial loss, such as a shutdown without physical damage, falls outside public and employers’ liability insurance. Report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code) and do not admit liability before the insurer has assessed the file.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
Do I need liability insurance as a self-employed process operator?
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.
Am I already covered through the client as a hired-in worker?
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.
Is environmental damage covered as well?
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.
What do I arrange for my income if I cannot work?
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.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Business insurance: what does that mean?Umbrella term, liability, business assets
- Business insurance at a glanceLiability, assets, continuity
- Business insurance by sectorInsured capacity, sector, risk class
- Business insurance tailored to your companyReview, insured capacity, sums insured
- Zip insurance: what does it mean?Confusion over names, compulsory, recommended
- Insurance for a building contractorAVB, CAR, plant and machinery
- Liability for process operatorsPlant shutdown, certification, procedures
- Liability insurance for a self-employed process operatorOperating, batch, alarm response
Put contract requirements alongside your policy?
Request a quote without obligation. We test the sum insured, the care, custody and control section and the territorial scope against what your client requires.
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.