Liability
- Damage to third parties
- Employers' Liability
- Care, custody and control as an extension
Liability for riggers
A Rigger determines how a load hangs. If that load comes free, the property damaged belongs to someone else and everything turns on the care, custody and control provision.
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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
- 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
What is Special about rigging work is that you almost always have hold of something that is not yours. The load on the hook, the lifting gear, the foundation the outriggers rest on: those are items you have in your care during the work. And it is precisely property in your care, custody and control that are excluded as standard on public and employers' liability Insurance. Without an extension, the most expensive item in play is the only uninsured one.
The second odd point is the crane. A mobile crane is a motor vehicle, and liability policies exclude damage caused with a motor vehicle. For driving, the compulsory Insurance under Article 2 of the Dutch Engine Insurance Liability Act (WAM)applies; for the lifting itself, working-risk cover on the crane policy is usually needed. Anyone who does not ask about this ends up between two policies after an incident.
That leaves the division of roles. Almost every lifting job involves a crane company, a lift supervisor, a slinger and a client. Who had which task is set out in the lifting plan or nowhere. So we first establish which role you actually fill before we talk about cover, because that role determines which section you need.
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What does Liability cover include for riggers?
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?
- Maximum load weight. The heaviest load you sling regularly determines the size of the loss that is possible.
- Your role on the job. Slinging alone is a different risk from lift supervision or drawing up lifting plans, which brings Liability for advice with it.
- Amount of care, custody and control cover. The extension for property in your care has to match the value of the loads you handle.
- Working environment. Lifting over public areas or in an operating plant weighs more heavily than a closed building site.
- Own or hired plant. Whether you work with your own lifting gear or with the crane hire company's determines who carries the inspection risk.
- Turnover, hired-in labour and claims history. Annual turnover is the basis; working staff and earlier lifting incidents count on top of that.
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.
Why arrange it through Finass insures?
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.
The load on the hook is in your care
Standard conditions exclude damage to property you transport, work on or otherwise have in your care. A transformer that ends up on the floor during a lift falls precisely within that. So the care, custody and control extension has to match the heaviest load you sling and not the average one. Ask in advance about the weight and value of what you are lifting that day.
A crane is legally a vehicle
Liability policies exclude damage with or by a Engine vehicle, and a mobile crane or lorry loader crane is one. For use on public roads the requirement under Article 2 of the Dutch Engine Insurance Liability Act (WAM)applies; for damage during lifting there is separate working-risk cover. With hired equipment, Check that this working-risk cover is included and that your own actions fall within it.
Without a lifting plan you are the one answerable
The lifting plan divides the tasks between the operator, the slinger, the lift supervisor and the site manager. If it is missing or unsigned, Liability falls back on whoever actually gave the instruction, and that is you. If you work under a main contractor, that contractor can be held liable under Article 6:171 of the Dutch Civil Code and then recover the amount from you.
Inspection certificates for lifting gear
Slings, shackles, lifting straps and spreader beams need a valid inspection certificate. If it turns out after an incident that the equipment used had not been inspected or had even been condemned, the conversation shifts from bad luck to fault, and with it to the question whether there is any cover. Keep the inspection records digitally for each item of equipment; a sticker that has become illegible does not help you.
Frequently asked questions
This is what people ask us most.
Is the load I drop covered by my liability Insurance?
Only with a care, custody and control extension. The main cover excludes property you have in your care, and a load on the hook is exactly that. If something else is damaged in the same event, for instance the floor or an adjacent machine, that is covered by the ordinary property damage cover. So one incident can be partly covered and partly uninsured.
I hire in a crane with an operator. Am I liable then?
You may well be. If the operator is in fact working on your instructions, the loss can be attributed to you. If they work independently for the crane company, it lies there. With a main contractor, Article 6:171 of the Dutch Civil Codealso comes into play. So record the division of roles before the first lift, not after something has gone wrong.
What happens if the lifting gear turns out not to have been inspected?
It is then examined whether you knew that or should have known. An expired inspection does not automatically make the loss uninsured, but it weakens your position and, where it happens repeatedly or where equipment has clearly been condemned, it can lead to a plea of gross fault. The client will also recover from you a good deal more easily.
Is injury to a colleague on the job covered?
That depends on the relationship. If it is someone you hire in or allow to work with you, the duty of care under Article 7:658 of the Dutch Civil Code applies and the employers' Liability section responds. If it is another party's staff, it is ordinary injury to a third party. The two sections should dovetail on one policy.
Every situation is different. For these situations we have a separate page.
- Compare personal liability Insurance (AVP)The main page
- Liability for riggers and lifting supervisorsLifting plan, allocation of roles, inspection
- Liability in rope access workCertification, height, falling material
- Liability Insurance for riggersLifting plan, certification, allocation of roles
- Liability as a Rigger or lift supervisorArticle 6:162 of the Dutch Civil Code, care, custody and control, lifting plan
- Liability for weldersFire-hazardous work, checks afterwards, certificates
- Liability in rail worksCertification, taking out of service, consequential loss
- Liability for stylistsOther people's clothing, care, custody and control, damage
- Liability for small businessesSum insured, care, custody and control, staff
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 insures 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 insures. Last updated on .
The information on this page is general in nature and is not personal advice.