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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
As the owner of the building, a VvE is liable for loss caused by defects: loose roof tiles, a broken stair rail, a slippery floor or poorly maintained balconies. That liability is independent of fault.
The policy also covers the employers' liability for a caretaker or cleaner employed by the VvE, and usually also for volunteers who do odd jobs.
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
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Not in law, but it is strongly advisable. As the owner of the building the VvE is strictly liable for loss caused by defects, even without fault.
What is an example of such a loss?
A roof tile that comes loose and damages a car, or injury to a visitor caused by a defective stair rail or a slippery floor.
Are volunteers covered?
Often yes, but check this expressly. A resident who does odd jobs can in some circumstances be regarded as an employee of the VvE.
What if the defect stems from a maintenance backlog?
A maintenance backlog can lead to a restriction of the cover and it also strengthens the case for liability. An up-to-date long-term maintenance plan is therefore important.
What is covered and what is not
What is covered
Situation
Liability, VvE
The occupant's AVP
A visitor trips over a loose stair runner in the shared stairwell
Yes
No
The caretaker hurts his back moving the bins
Yes
No
The lift suddenly drops and a resident is injured
Yes
No
A pipe in the communal riser leaks and the neighbour below suffers water damage
Yes
No
While cleaning, a resident drops a planter from their balcony onto a car
No
Yes
The painter the VvE hired damages the facade of the neighbouring building
No
No
If the cause points to a private part or to the conduct of one resident, that person's own policy comes into play.
