Underwriting authority · own conditions · claims handling
Public and employers' liability insurance (AVB) through Turien & Co
Turien & Co Assuradeuren is an authorised agent. That means underwriting and claims handling sit there, while the risk sits with an insurer behind it. For you, what mainly changes is the route your file takes.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Bedrijfsaansprakelijkheidsverzekering AVB via Turien & Co.
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
An authorised agent acts on behalf of one or more insurers. The agent may underwrite independently, draw up policies and settle claims within the limits set by the risk carrier. In practice that means shorter lines for unusual risks and for a claim that calls for a quick decision. What the cover actually does is no different from a policy taken out directly; see the hub page public and employers' liability insurance for the body.
What is relevant is that an authorised agent usually works with its own conditions. These can be wider on some points and tighter on others than the familiar model conditions. So when we quote we compare not only the premium, but also the description of the insured activities, the care, custody and control provision, the arrangement for subordinates and the question of which insurer carries the risk. That last point matters where there is a long run-off period or a change of risk carrier.
An AVB through an authorised agent is often part of a business package. Watch how it joins up with the employers' liability section: injury to staff on the road does not fall under the ordinary AVB, but under separate cover such as WEGAS. Data risk also remains outside this policy and belongs on cyber insurance.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
What to look at with a policy through an authorised agent
Four differences between a policy through an authorised agent and a policy taken out directly with an insurer.
Who decides on your claim
The authorised agent handles the notification and takes the decision within its authority. Above a certain size, or where there is a point of principle in dispute, the file goes to the risk carrier. Ask in advance where that boundary lies, because it determines the timescale in an injury case that can run for years.
Read the agent's own conditions, do not assume
Do not assume the wording is the same as the model you know. In any event, check the described business activity, the definition of insured parties, the arrangement for subcontractors and whether tenant's liability is included. Departures are usually in the clauses on the back of the policy schedule.
The standard exclusions remain
A policy through an authorised agent also excludes pure financial loss, damage caused with a motor vehicle (Article 2 of the Dutch Motor Insurance Liability Act (WAM)), care, custody and control, fines and the cost of your own defective work. On top of that, loss caused by asbestos and gradual soil contamination fall outside the cover as standard, as does intent on the basis of Article 7:952 of the Dutch Civil Code.
If the risk carrier changes, your file does not
An authorised agent may place its portfolio with another insurer. Your policy number and conditions usually stay the same, but past claims are settled by the party that carried the risk at the time. So keep your policy schedules for each year. If a claim comes years later, that is the proof of your cover.
What does your premium depend on?
- Turnover and payroll: the basis on which the premium is calculated
- Sector and activities: the agent has its own underwriting rules for each sector
- Sections included: employers' liability and tenant's liability separately
- Sum insured: per claim and per insurance year
- Excess: a higher amount per claim lowers the premium
- How the package is built up: several policies within the same agency
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVB | BAV |
|---|---|---|
| Your fitter runs a sack truck into the client's shop window | Yes | No |
| A visitor trips over a cable in your showroom and breaks a hip | Yes | No |
| Your subcontractor damages a floor at the client and the client holds you liable | Provided that | No |
| Your advice on a choice of materials turns out badly and the client has to start again | No | Yes |
| A mistake in your calculation costs the client a subsidy | No | Yes |
| The cost of readjusting the machine you supplied | No | No |
As soon as a client holds you liable for your knowledge rather than your actions, the claim moves to the other policy.
Frequently asked questions
This is what people ask us most.
Is a policy through an authorised agent less secure?
No. The insurer behind it carries the risk and stands behind the payment. The authorised agent runs the administration on that insurer's behalf and is subject to supervision. The difference lies in the route for underwriting and claims handling, not in the security of the cover. The policy schedule states which insurer carries the risk.
Can an authorised agent offer wider conditions?
That happens. An authorised agent draws up its own set of conditions and can, for example, deal differently with the description of insured parties or with the care, custody and control provision. Just as often a provision is tighter. Only a comparison at clause level shows what you are really buying; the premium says little about it.
What if my activities change?
Report it to the authorised agent in writing. The described activities limit the cover, and work outside that description falls outside it. Where you expand, the agent assesses whether that fits within its authority or whether the risk carrier has to look at it. Adjusting afterwards no longer helps once the loss has occurred.
Who do I report a claim to?
To us or directly to the authorised agent. We guide the file. Report as soon as you reasonably know, as Article 7:941 of the Dutch Civil Code requires, and send the notice of liability and the correspondence with it. Do not admit liability and do not promise any payment before the insurer has assessed the file.
Read more
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