5 most frequently asked questions about your liability insurance
Do you have a question about your liability insurance ? Independer is happy to help you. Because the same questions are often asked about liability insurance, we have listed the 5 most frequently asked questions.
1. How do I take out liability insurance with Independer?
Do you want to take out liability insurance? Then fill in your details on our website . We then choose the insurance that best suits your needs from three different liability insurance policies.
2. What is liability insurance?
Liability insurance is insurance that reimburses damage for which you are legally liable. This could be damage that you cause to people or other people’s property. Some damages are excluded from your liability insurance and will not be reimbursed. For example, intentional damage or damage caused with a motor vehicle.
3. Who is covered by my liability insurance?
When taking out liability insurance, you can choose who is covered. You can take out insurance only for yourself, but also for your family members.
There are four different compositions:
- single person without children
- single person with children
- partners without children living at home
- partners with children living at home
If you choose a specific family composition, we will take this into account when determining the premium. It is therefore important that you select the right composition
4. What amount am I insured for?
Independer’s liability insurance provides coverage up to an amount of € 1,250,000.
5. Where can I report damage?
Liability insurance for companies
If you have a business, you may cause harm to your customers while at work. Just think of a painting company that drops a pot of paint over the carpet. With liability insurance for companies (AVB) you are insured for damage caused during work.
Why do you take out liability insurance for companies?
Most Dutch people already have liability insurance for private situations. However, liability insurance for private individuals (AVP) does not cover damage that you cause as a company. Such damage can be expensive, so it is wise to have an AVB. Don’t have this? Then you run the risk of not being able to pay such a high damage claim yourself. Especially as a small self-employed person, this can be a problem that you would rather not have to deal with.
What is insured with liability insurance for companies (AVB)?
Liability insurance for companies covers the damage you cause as a company. You can think of the pot of paint being kicked over. But also a commercial building where corrugated sheets blow off, which then causes damage to cars parked nearby. Or a product you have delivered that causes damage. The coverage is comparable to liability insurance for private individuals, but for your company.
What is not insured with an AVB?
Professional liability is not insured with AVB. That’s confusing because it’s liability associated with your business. Professional liability concerns, for example, incorrect advice you have given or the provision of incorrect or incomplete information. Actually, damage caused by mistakes made in your work. You can take out professional liability insurance for this. There is also no cover for items that are “under supervision”. For example, a kitchen that you are installing and becomes damaged. You are in possession of the kitchen at that time and damage to it is not covered by the AVB. Even if you deliver poor work and are held to account for it, there is no coverage under the AVB. This falls under entrepreneurial risk.
Liability insurance for companies at Independer
You cannot take out AVB via Independer. We only compare insurance for private individuals and not for companies. Liability insurance for companies is quite complicated. It is different for every company. It is therefore wise to get good advice about this from, for example, an intermediary or an insurer that sells these products. You can take out liability insurance for private individuals with Independer .
Everything about professional liability insurance
Professional liability insurance covers the consequences of unintentional errors that a (free) professional makes in his work. Errors include, for example, mistakes, negligence, incorrect advice and carelessness. We explain to you on this page what exactly is insured with professional liability insurance.
Professional liability insurance coverage
Professional liability insurance covers your liability for damage to third parties due to errors you make in the exercise of your profession. Both mistakes that you make yourself and mistakes made by people who work under your responsibility are insured. Professional liability insurance provides cover for financial damage. Examples include loss of profit, loss of market share and costs associated with delays.
Amount insured
Insurers usually use an insured amount of €250,000, €500,000 or €1,000,000. The best insured amount for you depends on your profession.
Who is professional liability insurance for?
It is mainly advisory professions that need professional liability insurance. Below we will provide some examples of professions that are eligible to take out professional liability insurance.
- Administrative offices
- Consulting firms
- Lawyers
- Insurance intermediaries
- Architects
- Brokers
- Doctors
- Notaries
- Hospitals
Difference between professional liability insurance and liability insurance for companies (AVB)
Sometimes professional liability insurance is confused with liability insurance for companies (AVB for short). The difference between these insurances is that AVB covers personal injury and/or property damage to third parties. If you take out both insurance policies, you have complete coverage. You therefore take out professional liability insurance for financial loss/property damage and liability insurance for companies for property and personal injury.
Professional liability insurance with Independer
You cannot take out professional liability insurance with Independer. We only compare insurance for private individuals and not for companies. Professional liability insurance is quite complicated. It is different for every company. It is therefore wise to get good advice about this from, for example, an intermediary or an insurer that sells these products.
