Care liability
- Professional indemnity for care procedures
- AVB for injury and property damage
- Defence costs in a complaint or disciplinary case
Insurance package for self-employed professionals in care
If you work as a self-employed professional in care, the centre of gravity lies in liability for your actions with clients. Alongside that, the obligations under the Wkkgz (the Dutch healthcare quality and complaints act) and your own income call for attention.
- 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
The core of a care package is liability cover for harm to a client. A procedure carried out incorrectly, an observation missed or a medication error leads to injury, and that is claimed against you (Article 6:162 of the Dutch Civil Code). Insurers offer a policy for this in which professional indemnity and public liability for care providers are combined; make sure that the reserved procedures you carry out are named in the described capacity.
The Wkkgz (the Dutch healthcare quality, complaints and disputes act) obliges you as a care provider to have a complaints procedure and to be affiliated to a recognised disputes body. That is not an insurance requirement, but a complaint does bring defence costs with it. Check whether your policy includes defence costs in complaints and disciplinary proceedings; that is not a given.
Around this sit legal expenses for contract and debt recovery disputes with care institutions or agencies, cover for your equipment and practice contents, cyber insurance for client data, and a provision for your income if you are unable to work.
Independent, personal, sorted quickly
We compare your insurance package 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 belongs in a care package?
Three blocks matching the work of a self-employed care provider.
Equipment and data
Your equipment, practice contents and the client data you process.
- Practice contents and medical equipment
- Laptop, phone and records
- Cyber cover in the event of a data breach
Income and disputes
What happens if you cannot work or fall into dispute with a client.
- A provision for incapacity for work
- Legal expenses and debt collection
- Personal accident cover as a supplement
What is covered
| Situation | Professional indemnity | Public and employers' liability |
|---|---|---|
| Injury to a client caused by a procedure carried out incorrectly | Yes | Provided that |
| A client trips over your bag during a home visit | No | Yes |
| Damage to furniture or flooring at the client's home | No | Provided that |
| Defence costs in a complaint or disciplinary case | Provided that | No |
| A disciplinary measure or fine imposed on you | No | No |
| Your own income if you fall ill for a long period | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Profession and procedures: reserved procedures or not
- Turnover: the basis for liability
- Work setting: home care, an institution or a practice
- Sum insured: limit per claim and per year
- Excess: higher risk, lower premium
- Claims history: earlier claims and complaints
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 care policies come unstuck
Two points that are decisive in a claim or a complaint.
Your procedures must be stated in the policy
The cover follows your business activity: nurse, care worker, support worker or allied health professional, with or without reserved procedures. If you carry out procedures that are not named, or work without a valid registration or authorisation, a claim can fall outside the cover. If your work changes, report it; the duty of disclosure under Article 7:928 of the Dutch Civil Code applies when the policy is taken out, and a breach can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code).
What falls outside the cover
Excluded are, among others intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), fines, disciplinary measures and penalty payments, and the refunding or redoing your own work. Harm arising from working without authorisation or outside your described capacity and claims from a dispute already known when the policy was taken out also remain at your own expense. Legal expenses cover has a waiting period. Report an incident as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is liability insurance compulsory in care?
Not by law. The Wkkgz does require you to have a complaints procedure and to be affiliated to a recognised disputes body. Also, care institutions, placement agencies and professional associations almost always require professional indemnity and public liability insurance with a minimum sum insured in their terms. Without a policy schedule you often get no work.
Am I covered by the insurance of the institution where I work?
Do not count on it. As a self-employed person you are not an employee, and the institution's policy usually covers only its own staff. Sometimes inclusion is arranged in the agreement; ask for that in writing. Without that confirmation you bear a claim yourself and need cover of your own.
Are defence costs in a disciplinary case included?
Sometimes, but not as standard. Some care policies pay legal costs in a complaint or disciplinary case within a separate limit, others exclude it or offer it as a module. The measure itself, such as a reprimand or fine, is never paid. Check this point explicitly before you sign.
What do I arrange for my income if I fall ill?
As a self-employed person you have no continued payment of wages. The options are disability insurance, a safety-net variant, a bread fund (broodfonds) or your own reserves. Watch the waiting period, the end age and the exclusion of conditions you already had when you took out the policy. Physically demanding care work counts in the underwriting and the pricing.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- Insurance package for self-employed professionals starting outStarting out, basic cover, expanding
- Complete insurance package for self-employed professionalsLiability, equipment, continuity
- Insurance package for self-employed professionals (zzp'ers)AVB, BAV, AOV and business contents
- Insurance package for self-employed professionals in constructionAVB, tools, your own income
- Insurance package for self-employed professionalsFor sole traders, liability, income
- Insurance for the self-employed through AllianzYour own income, tools, care, custody and control
Is your care work as a self-employed professional properly covered?
Request a quotation without obligation. We check the described capacity and the defence costs.
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.