Liability
- AVB: injury to people and damage to property
- BAV: pure financial loss caused by a mistake
- The basis is Article 6:162 of the Dutch Civil Code, tort
- The described capacity on the policy schedule is decisive
AVB · BAV · AOV and business contents
Insurance package for self-employed professionals (zzp'ers)
A self-employed package puts your business policies on one policy schedule with a package discount. Each section keeps its own conditions, sum insured and excess.
- 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 · Deutsch
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.
In brief
As a self-employed person you usually need not one policy but several. The usual ones are public and employers' liability insurance (AVB) for injury and property damage to third parties, professional indemnity insurance (BAV) as soon as you advise, design or calculate, disability insurance (AOV) for your income, legal expenses for disputes with clients, and business contents or tools cover for your own belongings.
A package bundles those sections administratively: one policy schedule, one payment date, a package discount that rises with the number of sections. The discount adds no cover. At a claim, each section is assessed on its own conditions and excess. Health insurance is not part of it.
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The sections self-employed people usually combine
Which sections you need follows from what you do and where you work.
Incapacity for work
An AOV replaces income if you cannot work for a long period.
- Its own waiting period and end age
- Medical underwriting with possible exclusions
- Incapacity for your own occupation or for suitable work
- Not eligible for a package with every insurer
Belongings and disputes
Cover for your own business contents, tools and legal disputes.
- Business contents and goods at the work address
- Tools in the van, often separate
- Legal expenses cover with a waiting period and a threshold amount
- Recovery of unpaid invoices as a module
What is covered
| Situation | AVB | BAV |
|---|---|---|
| Injury to someone at a client's site | Yes | No |
| Damage to the client's property | Yes | No |
| Financial loss caused by an advisory or calculation error | No | Yes |
| Damage to your own tools and stock | No | No |
| The cost of redoing your own work | No | No |
| A claim that only comes in after the policy has ended | Provided that | Provided that |
Claims after the policy has ended fall only under run-off or late notification cover; arrange that when the business closes.
Two points that determine the cover
With business policies the difference lies in the description of your work and in reporting.
The described capacity determines what is covered
Every business policy schedule states a described business activity: the work for which you are insured. Activities outside it are not covered. Fixed exclusions also apply: damage to the item you supplied yourself and the cost of redoing the work, fines and penalty payments, and damage caused by intent or recklessness under Article 7:952 of the Dutch Civil Code. Assignments in the United States and Canada also often fall outside the territorial limit.
Reporting keeps the package accurate
If you extend your services, take on staff or a hired-in worker, or your turnover rises sharply, report it. The duty of disclosure under Article 7:928 of the Dutch Civil Code applies to each section. A breach can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code). If you receive a liability notice, report it straight away and do not admit liability, as Article 7:941 of the Dutch Civil Code and most policy conditions require.
What does your premium depend on?
- Business activity and sector: advice, construction, care or IT
- Annual turnover: the main basis for the AVB and BAV
- Sum insured per claim: and the maximum per year
- Number of sections: determines the package discount
- Excess per section: higher amount, lower premium
- Area of cover: 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.
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.
Frequently asked questions
This is what people ask us most.
Which sections does a self-employed person usually need?
Almost everyone who visits clients or works with materials needs an AVB. If you advise, design or calculate, professional indemnity insurance is added. An AOV is advisable as soon as you live off your own labour. Legal expenses cover and business contents or tools cover depend on how you work and what you own.
Is health insurance in the self-employed package?
No. Health insurance is regulated by law in the Dutch Health Insurance Act and you take it out yourself with a health insurer, with its own policy and a statutory excess. It falls outside the business general insurance package and does not count towards the package discount. An AOV does not replace health insurance either: it covers income, not medical costs.
Is liability insurance compulsory for self-employed professionals?
Not by law in general. For some professions it is: financial advisers and intermediaries must hold professional indemnity insurance under Article 4:75 of the Dutch Financial Supervision Act (Wft), and lawyers and civil-law notaries have a comparable obligation through their professional rules. Also, many clients and sets of general terms require an AVB or BAV before you may start.
What is the difference between the AVB and the BAV?
An AVB covers injury and property damage: you drop something, a client trips over your cable. A BAV covers pure financial loss without anything being broken: a calculation error, wrong advice, a missed deadline. Anyone who combines physical work with advisory work usually needs both.
Read more
Within Insurance packages
Similar pages
- Insurance package for private individuals
- Insurance package for self-employed professionals
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- The personal insurance package
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Which sections really suit you?
Request a quotation without obligation. We check the described capacity, the sums insured and the exclusions.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.