Liability
- Falling tools
- Injury to passers-by
- Damage in the street
Rope access liability insurance
In rope access your biggest risk does not hang from the rope but lies below it: tools that fall, onto a roof, a street or an installation.
- 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
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
Rope access technicians work on facades, wind turbines, bridges, tanks and installations, suspended from a rope system. The AVB covers the damage and injury you cause to others in doing so.
Certification is not a formality here but the basis of the underwriting. Insurers ask about IRATA or SPRAT certification, the composition of the team and the rescue plan. Without those documents almost nobody will accept the risk.
Independent, personal, sorted quickly
We compare your personal liability insurance (AVP) across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does rope access liability insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Care, custody and control
The object you work on: facade, tank or turbine.
- Damage to a facade
- Tank and installation
- Wind turbine
Certification
No valid certificates, no cover.
- IRATA or SPRAT
- Rescue plan for each project
- Proof for each technician
What is covered
| Situation | AVB | With care, custody and control |
|---|---|---|
| A falling tool damages a car | Yes | Yes |
| Injury to a passer-by | Yes | Yes |
| Damage to the facade you are working on | No | Yes |
| Damage to the turbine during maintenance | No | Yes |
| Work on offshore wind turbines | No | No |
| An expired IRATA or SPRAT certificate | 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?
- Annual turnover: the main basis for calculation
- Type of activities: inspection, maintenance or assembly
- Working height and type of objects
- Certification level of the team
- Sum insured per claim
- Claims history
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.
Falling objects
Falling tools are the most common loss. Work with tool tethering and a cordon below the work zone, and record that you do.
Certification and rescue plan
IRATA or SPRAT certification and a rescue plan for each project are underwriting conditions. Without current certificates the cover lapses.
Care, custody and control of the object
If you work on the facade, tank or turbine, damage to it falls under care, custody and control. That is excluded as standard.
Wind turbines and offshore separately
Work on turbines at sea and on installations outside territorial waters falls outside a regular AVB.
Frequently asked questions
This is what people ask us most.
What is the most common loss in rope access?
Falling tools. The damage to what lies below and the risk of injury weigh more heavily than damage to the object itself.
Which certification is required?
IRATA or SPRAT, with proof for each technician, plus a rescue plan for each project. That is an underwriting condition at virtually every insurer.
Is damage to the facade or turbine covered?
Not as standard; that is a care, custody and control loss. Ask for care, custody and control cover if you work on the object itself.
Does the cover apply to offshore wind turbines?
Only if that is insured expressly. Offshore work is excluded on a regular AVB.
Which sum insured do clients require?
That is set out in the contract or specification and varies widely by sector. In industry and petrochemicals it is often several million per claim. Ask for the requirement before you tender.
What is the difference between the AVB and the BAV?
The AVB covers damage to property and injury to people. The BAV covers pure financial loss: financial disadvantage caused by an error, without anything being broken or anyone being injured. In downtime and delay claims, that is the difference that counts.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
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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. Last updated on .
The information on this page is general in nature and is not personal advice.