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8.1
Insurance assessment
professional indemnity insurance

Professional indemnity insurance

Calculate the premium for a professional liability insurance directly!

Finish online
Finish online
14-day cooling-off period
14-day cooling-off period
8.1
Insurance assessment

With a professional indemnity insurance (BAV) you insure the financial damage suffered by your client due to a professional error for which you are liable. A professional indemnity insurance is meant for ZZP'ers and MKB'ers who, for example, give advice. These may be architects, engineers, consultants in business services and ICT specialists.

This insurance protects your company from claims if your company is held legally responsible for the damage to others caused by your company, your employees, your products or by yourself.

Take out professional indemnity insurance

When taking out professional indemnity insurance, the company, employees (including agency staff, trainees or volunteers), directors, supervisory directors and partners are covered. Cooperating family members are also insured.

In addition, professional indemnity insurance is covered:

  • Product liability
  • Employer's liability
  • Walk-in

Product liability

With product liability, you are insured for damages if you are liable for a defective product that you supplied.

Employer's liability

It insures you against damage to employees due to an industrial accident or occupational disease. Work-related traffic accidents on foot or by bike are also insured.
Please note! Was the traffic accident caused with a (compulsory) motor vehicle, of which the employee is the driver or passenger? Then this is not insured.

Walk-in

With walk-in, you insure liability for damage caused by acts or omissions that occurred before the insurance was taken out.

With some insurers, a BAV insures your liability for damage to persons caused by environmental degradation. You are also insured for liability for damage to other people's belongings if the environmental damage is caused by a delivered product that has not been installed by you and the damage has occurred suddenly.

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despite reporting the damage separately without phone contact, it comes across as customer friendly.

What is professional indemnity insurance?

As an entrepreneur, you may have to deal with professional liability. But what is it?

You have your own company, business is going well. There is plenty of work and you can put some money aside to save. But what if you are held liable for financial damages? In this case, a small mistake can have major consequences. For example, a liability claim can be very expensive.

In short, this is the liability that arises from mistakes made by self-employed persons or companies when carrying out independent professional activities. Professional liability can therefore arise from all sorts of things, such as negligence, wrong estimates, wrong advice, omissions, etc. The resulting damage can therefore be recovered from you as an entrepreneur.

To determine professional liability, the standards of the profession are often looked at. In other words: would another professional with the same knowledge and experience have acted in the same way, taking into account the requirements of good craftsmanship?

Want to know more about business insurance? Take a look at our business insurances or contact us for an insurance advice without engagement.

Is professional indemnity insurance mandatory?

Professional indemnity insurance is not always obligatory. Only for certain professions is a professional indemnity insurance prescribed by law or by trade associations.

It is increasingly common for clients to require that self-employed persons insure their liability before they are allowed to work for them.

What is not insured with professional indemnity insurance?

You are not insured for damage to yourself or your company. Pure financial loss (financial loss where no damage is caused to persons or property) is not insured either. In addition, the following matters are not insured with a professional indemnity insurance:

Redelivery of a product or service

Damages and costs incurred because the work or services performed by you have to be performed again are not insured.

Legal Help

Not insured are the costs for legal assistance, criminal proceedings, disciplinary proceedings or dispute resolution without a court of law.

Outlet

If someone holds you liable after the insurance has ended for an act or omission before the insurance ended, it is not covered. However, you can extend the reporting period when you terminate the insurance or when your business stops.

(Air) craft or motor vehicle

Does an air vessel or motor vehicle cause damage for which you are liable? Then this is not insured.

Intention or violation

Damage caused intentionally by your employees or yourself, as well as damage resulting from deliberate violation of government regulations, is not insured.

Asbestos

Liability for an occupational disease resulting from asbestos exposure is not insured. The removal and disposal of asbestos is also excluded.

Fraud, criminal activities, acts of war

You are not insured if you commit fraud when taking out the insurance or in the event of a claim. Or if, in the event of a claim, criminal or punishable activities are involved. You are never insured if the damage is the result of acts of war or a nuclear reaction.

These are the most important things that are not insured with professional indemnity insurance. Do you want to know more? Then always read the policy conditions.

What does professional indemnity insurance cost?

The cost of professional indemnity insurance depends on a number of factors:

  • The industry in which you work
  • Your annual turnover
  • The number of employees

At Alpina.nl you can already calculate an indication of the premium for professional liability insurance online. You do this by filling in some information about your company.

Cheapest professional indemnity insurance

Are you looking for the cheapest professional indemnity insurance? You can find it by comparing different providers. There are many providers on the market, and the range is constantly expanding. In addition, premiums can vary greatly. Sometimes people choose the cheapest insurance they can find, without looking closely at the coverage. However, when comparing professional indemnity insurance it is important to look not only at the price, but also at the coverage and conditions. Here too, there can be great differences. Perhaps the cheapest professional indemnity insurance will not cover you as well as you would like.

Compare professional indemnity insurance

Before you take out professional indemnity insurance, it is wise to compare different providers. This always applies to any insurance. There are many providers on the market, all with different premiums and conditions. By comparing them, you can save a lot of money every year. Premiums can change every year, so it is worthwhile to make a comparison every year. Because premiums are regularly adjusted upwards or downwards by insurers, it may well be that the cheapest professional indemnity insurance from last year is no longer as advantageous in the new year. Or maybe things have changed in your company, which makes you better off with another insurer. Furthermore, by comparing you can find the best professional indemnity insurance at the lowest price. These are all reasons to start comparing professional indemnity insurances before you take out the insurance.

Benefits

  • Insurance from €20,- per month
  • Insured against property damage due to misdiagnosis and professional misconduct
  • Reimbursement of legal costs of defence (if any)
  • Choice of all insurers in the Netherlands
  • Compare and contract 24/7
  • Fast, free cancellation service

Communicating changes is important

When you apply for insurance or if you have a claim, you have to answer questions. You must answer these questions honestly. In addition, you should do as much as possible to prevent and limit damage. Report damage as soon as possible! It is also important to inform us of any changes.

Easy comparison and conclusion

You can easily compare insurances via our website. After entering a few details, a number of insurance policies with the corresponding premiums and policy conditions will appear, tailored to your needs. You can compare these. If you have found a suitable insurance, you can take out the policy immediately. Are you having problems or do you have any questions? Then you can contact us. You can reach us by telephone on +31 (0)88 - 688 37 00. We will be happy to assist you.

How we work

How does Alpina work?

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Money back guarantee! (14 days)

Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.

Supervision

Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).

How does Alpina work?

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Money back guarantee! (14 days)

Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.

Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).

Calculate the premium for a professional liability insurance directly!

How do we do it?

Last updated: 09-11-2022

Financially certainly.

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