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.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A remedial teacher works with a support plan: goals, approach, evaluation points. The complaint parents or a school make afterwards is almost never about the lessons themselves, but about time. A child was supported for a year while something else was going on, and that was only discovered a school year later. The loss is then assessment elsewhere, tuition and sometimes a missed transition.
That complaint concerns pure financial loss: nobody is injured and nothing is damaged. Liability insurance for businesses covers only property damage and injury and leaves this category out of account. So for the support work itself you need professional indemnity cover. The AVB remains important as well, for a child who falls in your practice room.
The structure of the cover in three parts, with an overview per situation below.
The basics
Liability
AVB for property damage and injury, BAV for professional errors.
Damage to third parties
Employers' liability
Care, custody and control as an extension
Your business
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
If you employ people
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Diagnosis lies outside your capacity
Establishing dyslexia, dyscalculia or a developmental disorder is reserved for an educational psychologist or a psychologist. If you nevertheless make statements that are read as a diagnosis, or issue a certificate, you act outside the insured capacity on your policy schedule. A claim arising from that is rejected, however carefully you worked otherwise. Keep your reporting descriptive.
Referral is an obligation in its own right
If results fail to come while you follow the support plan, there has to be a point at which you flag that further assessment is needed. If you carry on supporting the child, the delay is for your account. Record at each evaluation point what you saw, what you discussed with parents and school and where you referred the child. That file is your main defence when a claim comes.
Your contract determines who holds you liable
If you are engaged by the school, the school is the party instructing you and complaints from parents in principle run through that school. If you work directly for parents, the family is your counterparty. Report both situations when declaring your activities. If you are employed by a school, Article 6:170 of the Dutch Civil Code applies and liability rests primarily with the employer.
Pupil data call for a separate arrangement
You process data about learning performance and sometimes about a child's health. If that data leaks, it is neither property damage nor injury and it is not a classic professional error either. A fine from the regulator is also excluded on every policy as sanction. For the remediation costs and the duty to report after a data breach, separate cyber cover is needed.
What does your premium depend on?
Insured business activity. Remedial teaching only, or coaching, training and assessment as well. The broader it is, the higher the premium.
Annual turnover. Turnover is the usual rating basis for a one-person practice or a small agency.
Working at your own premises or at a school. Your own practice room brings an injury risk that at a school lies with the school.
Client group and age of the pupils. Support around exams and transition points involves more at stake if there is a delay.
Sum insured and excess. The limit per claim and per insurance year and the excess per notification.
Number of staff or colleagues engaged. If you work with others, liability for their conduct under Article 6:170 DCC comes into play.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your activities, turnover 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.
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.
No. Establishing dyslexia and issuing a certificate is reserved for a qualified behavioural scientist. If you do it anyway, you act outside the capacity stated on your policy and a claim arising from it is not covered. You can flag concerns, describe what you observe and refer the child on.
Why is an AVB not enough here?
Liability insurance for businesses covers damage to people and property. The complaint against a remedial teacher concerns lost time and the cost of alternative assessment, with no injury or damage. That is pure financial loss and falls outside the cover on an AVB. For that you take out professional indemnity insurance, with its own limit per claim.
Am I covered if a child falls at my home?
If you work from a practice room at home, that is an injury claim and it belongs with liability insurance for businesses, not with professional indemnity. Declare that you receive children at your work address, because a policy that assumes office work only sometimes excludes visits by third parties.
What if I am employed by a school?
Then your employer is in principle liable under Article 6:170 DCC for mistakes you make in the performance of your job, and a claim runs through the school's policy. If you also take on your own assignments for parents, that part is not covered and you need your own cover for that practice.
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.
