Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insurance for welfare organisations
At a welfare organisation the risk lies with the client: in the community centre, in the minibus on the way to day activities, and in the file you keep about that client.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
Welfare work differs from other non-profit activity in that there is a third party who depends on you. You support people, often vulnerable ones, usually at a fixed location, and you record data about them. That calls for more than a liability policy: premises and contents, sickness absence of paid staff, transport and cover for loss of data all belong with it. A package based on a review keeps those elements from working at cross purposes.
The second peculiarity is the mixed workforce. Alongside professional staff on contracts of employment you work with volunteers and sometimes with trainees and people on reintegration schemes. For the duty of care that distinction hardly matters. For continued pay, absence management and pensions it certainly does.
If your organisation runs mainly on fundraising and you have no premises or client base of your own, a narrower set-up is enough. We describe that at liability for charities.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
What does insurance for welfare organisations cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | 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?
- Payroll and number of professional staff. The payroll is the basis of calculation for employers' liability and for the sickness absence cover.
- Number of volunteers. Volunteers fall under the same duty of care and count towards the assessment of your risk.
- Target group and intensity of support. Drop-in activities weigh differently from intensive support of young people or of people with care needs.
- Locations and opening hours. The number of buildings, ownership or tenancy, and use outside office hours determine the risk around the building.
- Own vehicles. Minibuses and cars used to transport clients call for their own cover alongside the liability policy.
- Size of the client base. The number of files and the sensitivity of the data in them determine the size of the data risk.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover 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 things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Transporting clients falls outside the liability policy
Every public and employers' liability policy excludes damage caused by motor vehicles. The compulsory insurance in Article 2 of the Dutch Motor Insurance Liability Act (WAM)exists for that. Injury to a client as a passenger is dealt with by passenger indemnity insurance. And if your own driver is injured, Article 7:611 of the Dutch Civil Code comes into play, obliging the employer to provide proper insurance for the road risk. Three different covers, three separate choices.
The client file is the most sensitive item you hold
Data about health, debt, family circumstances or addiction are special category personal data. A leak affects people directly and almost always leads to a report to the Dutch data protection authority. And do not think only of your systems: a paper filing cabinet in a shared building is a risk too. Cyber cover pays for investigation and recovery, but not for putting in place security you should already have had.
Continued payment of wages runs for two years
If a member of professional staff falls ill, you continue to pay their wages for 104 weeks and carry the reintegration obligations. For an organisation with a limited payroll that is a heavy burden, which sickness absence insurance and occupational health services can absorb. What no policy covers is the wage sanction the UWV (the Dutch employee insurance agency) can impose if your reintegration efforts turn out to have been inadequate. Record every step.
The building is often not yours, the fitting out is
Community centres and neighbourhood centres are regularly owned by the local authority or a housing association. The structure is then their responsibility, but what you installed yourself is a tenant's improvement and your contents are yours in any event. Also record in writing who is responsible when third parties use the premises outside opening hours, because a hall let out with a key held by a club immediately raises the question of who is liable when there is damage.
Frequently asked questions
This is what people ask us most.
What do we need besides liability insurance?
Usually business contents and tenant's improvements cover for the premises, sickness absence cover for the professional staff, insurance for transporting clients and data cover for the files. Which of those four weighs heaviest differs by organisation. We therefore start with a review of premises, staffing, transport and data before we set policies side by side.
Are clients insured when we transport them?
Not through the liability insurance. That excludes motor vehicles. For injury to passengers you need passenger indemnity insurance or personal accident cover, alongside the compulsory liability cover on the vehicle itself. If an employee drives, the employer's duty to insure the road risk properly also comes into play.
We hold care data. What does cyber cover do about that?
It pays for the investigation into exactly what leaked, the cost of informing the people concerned, legal assistance during the regulator's investigation and the restoration of your systems and files. What falls outside it is putting right security that fell short, and fines to the extent that they cannot be insured under Dutch law.
We use a building owned by the local authority. What do we have to insure?
The owner insures the structure. You insure your own contents, anything you installed as a fixture, and your liability as the user of the space. Also record in writing who is responsible when you sub-let halls or issue keys to clubs that use the building outside your opening hours.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Full-service sickness absence insurance for SMEsContinued pay, gatekeeper, support
- Insurance for research institutionsEquipment, experiments, liability
- Insurance for care and welfareClients, work in the community, volunteers
- Liability for charitiesVolunteers, board, donations
- Liability for occupational health servicesMedical data, advice, the Gatekeeper Act
- Insurance for staff and employmentSickness absence, WGA, road risk
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.