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What is liability insurance for companies?

A liability insurance for companies (AVB) is an insurance for entrepreneurs and companies. With a liability insurance for companies, you are insured for liability damages caused during your work. Think, for example, of a pot of paint falling over a customer's beautiful wooden floor. Or a cup of coffee accidentally falling over an expensive laptop, resulting in a nasty claim. With a private liability insurance you are not insured for this, that is why you can take out liability insurance for companies.

Liability insurance for companies? Calculate your premium!

liability insurance for companies

What does business liability insurance cover?

The coverage of a business liability insurance is similar to a private liability insurance, but for your business. You are insured for the following damages:

  • Damage to persons and property of persons
  • Damage when you are product liable
  • Injury or death of an employee
  • Damage caused by a temporary employee, apprentice or volunteer
  • Damage to the belongings of an employee
  • Environmental damage that occurs suddenly or due to an incident

An AVB offers coverage in the Netherlands and abroad in most cases.

Liability insurance for companies? Calculate your premium!

What is not insured?

Of course, some things are excluded from coverage. Damage to yourself or your company is in most cases not insured. The same applies to the damage or costs you incur to redeliver your product or service. In addition, environmental damage at your business location and environmental damage that occurs slowly (think of an oil tank that has been leaking for years) is not insured. Items that you have 'under supervision' are not insured either. This concerns things that you have to install, such as a kitchen or bathroom. The moment damage occurs to these items, they are not covered by the AVB. Also, if your work is not to the client's satisfaction and you have to redo it, you cannot claim costs for this from your insurer. Finally, professional liability is not covered by corporate liability insurance either.

These are the most common exceptions to coverage. Always check your insurer's policy conditions to see which exceptions they apply.

What is the cost of liability insurance for companies?

What liability insurance costs depends in part on the type of business you have and the turnover you make. On Alpina.nl you can calculate an indication of the monthly premium online. To do so, enter some information about your company, such as the industry in which you operate and how many employees you have. You will then be shown an overview of insurers with corresponding premiums.

What is the difference with professional indemnity insurance?

Liability insurance for companies is not to be confused with professional liability insurance. Professional liability is, for example, the provision of incorrect or incomplete information, or the giving of incorrect advice. If damage occurs as a result of this, for example because a customer suffers financial loss due to your advice, this is not insured with a business liability insurance. For this you really need professional indemnity insurance.

With a professional indemnity insurance you insure financial damage that your client suffers due to a professional misconduct for which you are liable. Professional indemnity insurance can be a wise choice especially for entrepreneurs who give advice in their work, such as consultants, architects, ICT-consultants or engineers.

Frequently asked questions about an AVB

Is liability insurance for companies obligatory?

No, liability insurance for companies is not compulsory. However, more and more suppliers or customers do not want to do business when someone is not insured. Therefore, many entrepreneurs still choose to take out liability insurance for their company.


Why take out liability insurance for companies?

An accident in the workplace can happen at any time. We have some examples for you:

  • A customer slips on the newly mopped floor of your office and breaks a leg in the process
  • A worker accidentally drops a roof tile while repairing a roof. A passer-by is hit and suffers permanent injury
  • While working at a customer's house, you accidentally bump into an extremely expensive vase and it falls to pieces
Is an AVB also for ZZP'ers?

As a self-employed person it is also wise to take out liability insurance. With a ZZP liability insurance, you are insured if you, as an entrepreneur, cause damage to another person or if your work causes injury to another person.

Take out business liability insurance on Alpina.nl

Do you want to be properly insured for business liability damages? Then take out business liability insurance online immediately! Do you still have questions or would you like to consult with one of our insurance specialists before taking out the policy? They will be happy to help you! You can reach us by phone from Monday to Friday from 8 a.m. to 6 p.m. at 088 - 6883712. Of course, you can also send us a message at any time via chat, WhatsApp or Messenger.

Calculate the premium for a Public Liability Insurance for Companies immediately!

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